❓ Frequently Asked Questions

Payactiv is an earned wage access platform that allows you to access your earned but unpaid wages before your regular payday. It's not a loan - it's your money you've already worked for, available when you need it.

First, check if your employer offers Payactiv. Then, download the app from the App Store or Google Play, create your account using your phone number, and verify your employment. You'll be accessing your earned wages within minutes!

No! Payactiv is NOT a loan. It's earned wage access - you're accessing money you've already earned but haven't been paid yet. There's no interest, no credit check, and no debt. We simply advance your earned wages and get repaid through your next paycheck.

If you're experiencing issues:
1. Check your internet connection
2. Update the app to the latest version
3. Try logging out and back in
4. Restart your device
5. If problems persist, call us 24/7 at 1-877-937-6966 or check our support page for current service status.

Hours update automatically from your employer's time & attendance or payroll system. Updates typically occur every 24 hours after your employer processes your time data. If your hours haven't updated after 48 hours, please contact our support team at 1-877-937-6966 - we can check the integration with your employer.

Sign in using your phone number or email and password at payactivapply.com/sign-in or through the mobile app. If you forgot your password, use the "Forgot Password" link to reset it instantly.

You can access a portion of your earned but unpaid wages, typically up to 50% of your net earnings (some employers allow up to 90%). The maximum per-transaction limit is usually $500, but this varies by employer. The app shows your exact available amount in real-time.

You have multiple options:
• Payactiv Visa Card (FREE): Instant transfer with direct deposit
• Bank Account: $1 per transfer, delivered in seconds
• Cash at Walmart: Pick up cash (fees vary)
• Bill Pay: Pay bills directly from the app

Transparent Pricing:
• Payactiv Visa Card: FREE (with direct deposit)
• Bank transfers: $1.00 per transfer
• Fee cap: Maximum $5.00 per bi-weekly pay period
No hidden fees. No interest. No credit check required.

The amount you access is automatically deducted from your next paycheck through your employer's standard payroll process. It's seamless - you don't need to do anything. Your employer processes the deduction and sends the amount to Payactiv.

Yes! Payactiv integrates seamlessly with Paychex and over 70 other payroll providers including ADP, Kronos, UltiPro, Workday, and more. If your employer uses any of these systems, setup is easy and automatic.

OnShift is a workforce management platform commonly used by healthcare employers. Payactiv integrates with OnShift to provide earned wage access to healthcare workers whose facilities use this system. If your employer uses OnShift, you can access your earned wages through Payactiv.

Check with your HR department or benefits coordinator. You can also try signing up - the app will verify if your employer is enrolled. If they don't offer Payactiv yet, you can share information about our service with your employer.

Call us 24/7 at 1-877-937-6966. Our support team is always available to help with app issues, account questions, technical problems, or any concerns. You can also chat with us directly in the app or visit our support page.

We're here 24/7 to help:
• Phone: 1-877-937-6966
• Live Chat: In the mobile app
• Email: support@payactiv.com
• Support Page: payactivapply.com/customer-service

Absolutely. We use bank-level 256-bit SSL encryption, secure data storage, multi-factor authentication, and biometric login options. Your financial information is protected with the same security measures used by major banks. See our Privacy Policy for details.

No! There is no credit check required to use Payactiv. Since you're accessing wages you've already earned (not borrowing money), your credit score doesn't matter and using Payactiv won't affect your credit.