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Reduce financial stress for your workforce

Earned Wage Access helps employers support employees by providing access to wages they’ve already earned—when they need them.

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Built on Earned Wages

Employees access money they’ve already earned—nothing more.

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Designed for Payroll

Works within existing payroll processes, without disruption.

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Debt-Free by Design

Access to earned wages without interest or credit risk.

Access to pay matters

Employees earn wages every day, but access them on a fixed schedule. When expenses arrive before payday, financial pressure builds—and employees often rely on debt to bridge the gap.

Improving access to earned pay helps reduce that pressure at its source, without increasing compensation.

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Earned Wage Access

It's not about how much, but when you get paid.

 Payactiv breaks the two week pay-cycle, closing the gap between working and getting paid

Employees access the wages they've earned—safely, on their terms, when they need them

Payroll remains unchanged; Payactiv funds first and gets reimbursed by the employer

How it works with your pay cycle

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Pay period begins

Payactiv securely receives time and employee data with no changes to your process.

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Employees access wages

Employees access earned wages in real time through the Payactiv app with set limits.

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Pay period ends

Payactiv sends a deduction file with all transactions, ready for your payroll run.

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Finalize payroll

Your team applies deductions as usual and sends an automated confirmation to Payactiv.

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Reimbursement

Your company reimburses Payactiv for the total employee wage access amount.

Grow your people. Grow your business.

When people can access the pay they’ve already earned, they’re better positioned to manage today’s needs and invest in tomorrow. That stability fuels stronger performance, engagement, and long-term growth for the business.
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Greater financial stability to plan ahead
Less reliance on debt that limits future options
More confidence engaging with benefits and savings 
Increased focus and capacity to grow at work
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Stronger engagement and retention over time
A workforce better positioned for long term success
Reduced benefits leakage and financial distress
A scalable way to support growth at no cost to your business

Why employers love Payactiv

It was such an easy lift for our team to get up and running. We pay 20,000+ employees biweekly with just three payroll staff members. And Payactiv has not put anything additional on our plate to maintain.

Melanie Ryan

Payroll Manager, Urban Outfitters

Payactiv is the most innovative benefit that I’ve ever offered to my staff. The impact has been tremendous for us.

Jennifer Smith

HR Director, Nazareth Home

Our employees using Payactiv tell me that they now have a new way to confidently manage their finances and even save more. It has positively affected our employees’ morale while also serving as a tool for retention.

Kim Ruckman

Corporate Executive of Compensation, Benefits & Payroll, Ohio Living
What makes Payactiv stand out from the crowd of other financial wellness programs. It’s just so much easier to work with than ones I’ve actually dealt with in the past.

Toby Priddy

HR Director, Sun Com Mobile

We added the Payactiv benefit to our job postings, and our recruiters report that candidates are paying attention to this benefit. We might be able to attract candidates by offering this flexible pay option.

Trasee E. Whittaker

CHRO, Masonic Homes of Kentucky

The EWA Blueprint

Not all Earned Wage Access is created equal

Download the EWA Blueprint: A guide to what's next—written by those who created EWA.

Understand why pay timing—not pay amount—has become a key driver of employee financial stress, engagement, and growth.

Learn how employees can access wages they’ve already earned, and how that access is delivered responsibly within payroll.

See what separates responsible Earned Wage Access from short-term alternatives—and why structure, control, and transparency matter.

Build a better pay access strategy for your workforce

See how Payactiv delivers Earned Wage Access designed for employers and built to last.

Contact Us

Interested in offering Payactiv to your employees? Let's talk!