Payactiv

4.3
25.8K reviews
500K+
Downloads
Content rating
Everyone
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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 www.payactiv.com
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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 payactiv.com/card411. 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

4.3
25.5K reviews
Lynette Sego-Bartlett
October 24, 2023
Terrible application! I wouldn't recommend this app to my worst enemy! What's the catch? I'll tell you what the catch is! Doesn't accurately record your earned wages for days at a time so that you end up having to take out smaller amounts rather than the whole amount for the wages you've earned. Each time you withdraw wages they charge you $1.99, so you end up paying out several service fees instead of just one fee. It's glitchy, inaccurate, a rip off & zero customer service. No Integrity!!!
193 people found this review helpful
Did you find this helpful?
Payactiv
October 24, 2023
Hi Lynette, apologies for the inconvenience. One of our representatives will be reaching out to you shortly to assist you.
Popjaw
October 20, 2023
Had this app for a few months and it seemed to work good. Occasionally I would have to reboot my phone to get it to log on but no big deal. So tonight I go to log on and it gives me a message that it's time to update. The message said we have fixed the bugs and added new features so like a fool I did the update and now it doesn't work at all I get the blue screen for one second and then the screen goes all white and does not load. I even uninstalled and reinstalled and it does the same thing!
69 people found this review helpful
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Payactiv
October 20, 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 support@payactiv.com. Please mention “App reviews” in the subject line of your email so that we can assist you in a timely manner.
Erin Gatlin
January 3, 2024
I have to contact the chat every single time I use this app or even the link that's always provided. It's very frustrating because I try to start off the chat by telling them that it never works and my issue always has to be escalated. I even provide my last case #. Whoever I'm talking to still insists that I click the link and log out and log back in. It does not work. Ever. I would like for someone to call me and explain to me why I it never works and it has to "escalated" every single time!
32 people found this review helpful
Did you find this helpful?
Payactiv
January 3, 2024
Hi Erin, we highly regret the inconvenience. Our team will reach out to you soon and get your issue resolved as soon as possible.

What's new

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