Payactiv

The access standard for earned money

by Payactiv · Payroll & Time Tracking

Executive Summary

Payactiv describes itself as the infrastructure that connects employers, payroll providers, financial institutions and workforce platforms. Its offer includes earned wage access, payroll cards, instant-issue cards, tips programs and off-cycle payments, alongside goal-based saving and other financial wellness tools. It works across payroll, HCM and workforce systems, and can be delivered branded or embedded through APIs and SDKs. The vendor states employers pay nothing for the programme and that the platform serves more than 245,000 businesses. It is a public benefit corporation and Certified B Corp.

Use Cases

  • Offer earned wage access to employees
  • Launch a payroll card for your workforce
  • Pay outside the regular payroll cycle
  • Offer goal-based saving
  • Connect to payroll, HCM and workforce systems
  • Embed EWA in a partner platform

Features

Visibility

  • Real-time earnings view: Mobile-First Experience : Intuitive app interface with real-time earnings visibility

Intelligence

  • AI-backed wellness tools: The company also provides its users with a range of financial wellness and planning tools backed by AI and machine learning that enable customers to save, budget and more efficiently manage their money.

Support

  • Payroll and HCM connections: Payactiv works across payroll, HCM and workforce systems to make Earned Wage Access easier to bring to employees.
  • Security standards: SOC1 Type 2, SOC2 Type 2, ISO 27001, PCI-DSS, and CCPA-aligned practices support the operational, security and governance standards partners expect.
  • Time and attendance via API: Through API integration, we receive Time and Attendance data the moment it becomes available

Technical Specifications

Deployment
SaaS
API Available
Yes

Integrations

  • SAP SuccessFactors
  • UKG
  • Workday
  • ADP
  • Paychex

Security & Compliance

Certifications: SOC 1 Type 2, SOC 2 Type 2, ISO 27001, PCI-DSS

Pricing

Model
Zero cost to employers; employee access has no transaction fee on most methods, a fee may apply to certain expedited transfers
Starting Price
Free to employers
Target Customer
Employers,Payroll and HCM providers,Banks and financial institutions,Fintechs and workforce platforms

About Payactiv

Payactiv created the earned wage access category and provides the platform and infrastructure behind it for employers, payroll providers, banks and workforce platforms. It is a public benefit corporation and Certified B Corp, and also offers payroll cards, off-cycle pay and financial wellness tools.

Founded: 2012

Verified sources

Each of these facts was checked against the vendor page linked (2026-11-05).

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