Payactiv

On-demand pay and beyond

About this app

With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools.
Payactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect:


1. Earlier access to your money:
- Enjoy your paycheck up to 2 days early.1
- Receive government payments up to 4 days early.1
- Gain immediate access to earned wages.2

2. Spending and saving tools to achieve your financial goals:
- Always stay informed about what's safe to spend.
- Easily track your spending habits at a glance.
- Receive low balance alerts.
- Set up automatic transfers from earned wages.

3. The Payactiv Visa® Card*: A card designed without hidden fees:
- No minimum balance requirements.
- No overdrafts.
- No monthly or inactivity fees.
- Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs.
- Enjoy free integrated bill pay.
- Withdraw cash at tellers in participating banks.
- Send and receive funds to other enrolled members with no transfer fees.

4. Convenience and security you can rely on:
- Seamlessly use the card with Google Pay or Apple Wallet.
- Utilize touchless payments at stores.
- Benefit from Visa's Zero Liability protection.3
- Easily lock or replace lost or stolen cards.
- Access 24/7/365 support in English and Spanish.


*Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from 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 payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 [phone], 24 hours a day, 7 days a week.


1 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, the 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.


2 Earned Wage Access requires employer participation.


3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Ratings and reviews

I am unable to add funds to my account from an external account. The button is locked, and when I reach out to customer service, they have no idea what I'm talking about. The only way to add money now is to pay a fee at one of the stores that will load funds. Edit 03/01/2024 they now removed the option to add funds, but that was why I opened the account. It's been 4 months since they removed it, and no updates have fixed it. Edit 10/11/2024 they added the button back, but it's unusable.

This app has so many issues. The process of logging in has been very frustrating. It fails to login 3 times out of 5. I called their support who told me to try via a browser, which also only sporadically works. It's only saving grace was early access to earned wage. Even this has become shady as they at one point appear to have decucted from my pay check an amout that was way more than I took in advance. I called their support, to no avail. 500 characters is not enough to deacribe their issues.

The app struggles to load, and when it loads, it will let me select funds but the transfer button will not activate when I press it, it remains blue. This happens periodically with the app and has happened the last three times where I had to refresh the app and restart my phone multiple times before it would finally allow me to access the funds and transfer it to my account.

What’s new

This update includes bug fixes, performance improvements, and enhanced compatibility with the latest Android versions for a smoother user experience.