Payactiv 4+

Live The Life You Earned

PayActiv Inc.

    • 4.8 • 45K Ratings
    • Free



Smart saving, spending, earning, and discounts—together.

Get paid as you earn with employer participation
Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.

Banking for real life for everyone
Create a Payactiv account and enjoy faster access to their pay along with the convenience of the Payactiv Visa® Card.1 With top-notch security and spend guidance at your fingertips to start saving immediately, it’s your earnings, spending, and savings with you in control.

Faster access to your money
• Up to 2 days early deposit of your paycheck2
• Up to 4 days early deposit of government payments2
• Immediate access to wages earned today3

Easy, free, instant mobile payments
• Receive and send funds to other members
• Send funds by phone number
• Money is available immediately

SmartSpend and SmartSave to stay on track with your goals
• Always know what’s safe to spend
• Track your spending habits at a glance
• Be alerted of low balance
• Auto transfer from earned wages3

Grow savings with real-time insights on what’s possible
• Automated insights on what’s possible to save
• See your savings grow with each paycheck
• Get financial advice for near- and long-term plans
• 1-1 phone service with trained financial coaches

Banking without the hidden fees
• No minimum balance requirements
• No overdrafts
• No monthly or inactivity fees
• Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs
• Free integrated bill pay
• Cash withdrawal at tellers in participating banks

Convenience and security, you can count on
• Use the card with Google Pay or Apple Wallet
• Touchless payments at stores
• FDIC insured
• Protected by Visa’s Zero Liability protection
• Lock or replace lost or stolen cards
• 24/7/365 support in English and Spanish

Designed with purpose
• Made from 98 percent upcycled plastic
• Uses plastic waste that might otherwise end up in a landfill
• Comes in 3 color choices

For more information visit

1The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1 (877) 747-5862.

2 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.

3 Earned Wage Access requires employer participation.

What’s New

Version 2.1.89

We update the Payactiv app regularly to make it better for you. This version includes feature enhancements and app optimization.

Ratings and Reviews

4.8 out of 5
45K Ratings

45K Ratings

kellonc2 ,

Great service and easy to use app

My new employer is enrolled in payactive.
I had started on the first day of the pay period so waiting almost 3 weeks for my first check was hard. With payactive all I did was enter my basic info, employer name, and without having to verify income or accounts just with my name address phone number social and employer name, I was able to get what essentially was a payday loan but only this will be automatically taken out of my next paycheck, and for less than $5 in fees total the money was instantly transferred to my debit card (less fees if overnight transfer to bank account).!!!
If you need a payday loan and can get your employer to come up when registering with payactive then this is there way to go!!!
The app was very user friendly and for those with accessibility friendly needs is 5 stars in the readability and ease of comprehension and use scale! The interface and menus are very simple and clear, plus the colors and fonts make it just a very easy and great app!!!

Developer Response ,

Hi there, thanks so much for sharing your positive experience with our app. It makes our day. If you have any feedback, comments, etc., please don't hesitate to email

Lexybby189 ,

Great Concept, Poor Delivery

When my employer sent out an email saying they were partnering with Payactiv and the benefits of it, I was excited! After using the app though, I was extremely disappointed. It seems like there is ALWAYS some kind of issue. At first I struggled with the “help chat”, and that seems to have been resolved. Then I struggled with my app updating once a month and showing pending for disbursements that had already been deducted from my paycheck (hasn’t been resolved). Now I am struggling with inaccurate fund availability. They tell you to send your time sheet to payactiv@notifyops and NOTHING EVER GETS UPDATED. I had a tire blow the other day and got it towed to a shop. I was short a little bit of cash, and had to get to work, so I told the shop I would return after work to pay for and pick up the vehicle. This happened in the morning, so I reached out to payactiv to see if they could update my balance, and waited, waited, WAITED... never updated. I reached out again in the afternoon, and was told it was sent with high priority to the concern department and they clearly weren’t concerned because my balance NEVER got updated. This company has a lot of work to do, especially in their customer service department. I know other companies that are partnered with this one too and if some of the things myself and others mentioned aren’t fixed, I will be putting in a request to partner with a different company. I hate payactiv

Developer Response ,

Hi Lexybby189, PayActiv is all about providing a helping hand in the times of trouble. We are sorry that you could not utilize us when you needed us the most. Kindly drop us a line at including your username and the employee ID. We will ensure that you don't have to face any inconvenience on the app again.

TheWuwk ,

BBB Complaint

BBB Complaint
On Jan 26th 6:30am Gamefly made a temporary authorization hold which they release immediately after speaking with them. General merchant policy sais to allow 2-5 business days for the pending charge to fall off. Depending on the bank they have seen it stay on longer. I’ve called dozens of times to only be asked “Did you use your Payactiv card for this purchase” After saying yes they just route you to “Card member services” Which is basically what you see on the app in Voice text! Absolutely no real help around for 2 weeks. Do they trust the fake reviews, they’re a start up faking it. They have given me the run around for 2 weeks. I
have given up on even disputing the hold this bank has
made. They obviously will let it fall of nature after 31 days. Imagine if we were talking Hundreds of dollars. Who would ever known some random rural bank in nowhere land Kansas partnered with low budget high overhead Tech company in California was a good idea. The app takes decades to load, no customer service available anywhere and you get the worst banking service imaginable. Out employer boasts about offering EWA and we opt into it. Yet, Payactiv in all their glory fail to even set that up. The customer service might as well be Roast master General from Comedy Central telling everyone to F off.
Desired Settlement: Billing adjustment

Developer Response ,

Hi there, we sincerely apologize for the inconvenience. Our team tried calling you, but it went to voicemail. If it's not too much to ask for, please drop your callback details at with "App reviews" in the subject line. Be sure to include your Employer's name, Employee ID, and Mobile number. Our team will get back to you ASAP.

App Privacy

The developer, PayActiv Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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