Payactiv - The Innovator of Earned Wage Access

Payactiv is the creator and leading provider of Earned Wage Access (EWA), empowering workers with financial wellness solutions that drive measurable business growth. EWA is the timely access to wages that an employee has already earned. Our platform integrates seamlessly with an employer's time-and-attendance systems to calculate earned but unpaid wages in real-time. Payactiv fronts the accessed wages and is reimbursed by the employer via a standard payroll deduction, ensuring no disruptions to existing payroll cycles. As a Certified B Corp and Public Benefit Corporation, our brand represents an ethical benchmark committed to social responsibility and worker wellbeing.

Features and Functions: We enable enterprise partners to embed our API-driven EWA infrastructure directly into their own systems at zero cost. Our infrastructure enables flexible, timely access to a portion of employees’ earned wages on their terms, eliminating the timing mismatch between when bills are due and when traditional paychecks arrive. Workers can access funds via real-time transfers to any bank or debit card, cash pickups at Walmart, or direct integrations with Uber and Amazon. The platform also includes the Payactiv Visa® Card, a fee-free solution with no minimum balance, and integrated financial wellness tools such as unlimited 1:1 financial coaching, goal-based saving, and a discount marketplace.

Benefits: For employers, Payactiv serves as a zero-cost business growth engine. It operates with no disruption to existing payroll cycles, as Payactiv fronts the wages and settles them via automated payroll deduction on payday, protecting the employer’s cash flow. For employees, it turns the emotional paycheck into a source of confidence, empowering them with the agency and momentum to move their lives forward.