26.4K reviews
Content rating
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About this app

Welcome to Payactiv

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, 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.

3 Earned Wage Access requires employer participation.
Updated on
Feb 12, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

26.1K reviews
Derek Marigny
April 7, 2024
Update: Still doesn't work.)App never works. The only thing they tell you is to login from a link and send a screenshot. Then they escalate you. They say you will receive a message in 24-48 hours, but you will never hear from them. When you call them to check your status, they will have no record. Lack of communication is not ideal when you have people's banking information. If I can't log into my account, why would you set the help and chat features to be accessible only after you login?
6 people found this review helpful
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April 7, 2024
Hi Derek, we highly regret the inconvenience. Our team will reach out to you soon and get your issue resolved as soon as possible.
Andrew Walzer
November 16, 2023
I was trying to transfer funds from payactiv account to my credit/debit card, however it took several agents to find the problem, because the transfer could not be complete. After several hrs for them to search the problem, they found out that it was my bank card at fault, it was blocking the transaction to payactiv to complete the transaction. My bank only wanted for me to upgrade my debit/card. After I did that, the transfer was complete and satisfied. Thank you payactiv for the efforts.
64 people found this review helpful
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November 17, 2023
Hi Andrew, thanks for taking out the time to rate us. It really helps us to keep going and delivering the best. Have a blessed day.
Alexis Benner
October 31, 2023
I would give 0 if I could. This app just keeps getting worse and worse with every update. Please fix the bugs. Won't let me sign in even though info is correct and hasn't changed, doesn't let me complete forgot password steps, can't send codes, and when I try to leave feedback it won't let me saying Record unavailable and the Chat with us feature doesn't open either. What is going on
32 people found this review helpful
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November 2, 2023
Hi there, we regret to note this. We are unable to locate your information in our system due to limited details. Kindly email us your details including your Employer's name, Employee ID, and Mobile number at Please mention “App reviews” in the subject line of your email so that we can assist you in a timely manner.

What's new

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