Earned Wage Access helps employers support employees by providing access to wages they’ve already earned—when they need them.
Employees access money they’ve already earned—nothing more.
Works within existing payroll processes, without disruption.
Access to earned wages without interest or credit risk.
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.
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
Pay period begins
Payactiv securely receives time and employee data with no changes to your process.
Employees access wages
Employees access earned wages in real time through the Payactiv app with set limits.
Pay period ends
Payactiv sends a deduction file with all transactions, ready for your payroll run.
Finalize payroll
Your team applies deductions as usual and sends an automated confirmation to Payactiv.
Reimbursement
Your company reimburses Payactiv for the total employee wage access amount.
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 OutfittersPayactiv 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 HomeOur 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 LivingToby Priddy
HR Director, Sun Com MobileWe 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 KentuckyThe EWA Blueprint
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.