Payactiv earned wage access (EWA) fees
| Transfer type | Typical cost | Speed |
|---|---|---|
| To Payactiv Visa® Prepaid Card | Free | Instant |
| Next-business-day ACH to external bank | Free | 1 business day |
| Instant transfer to external bank/debit card | Small flat fee (typically $1–$3) | Instant |
| Cash pickup at participating retailer | Varies by retailer | Same day |
Payactiv does not charge interest, percentage-of-wage fees or late fees for EWA. Your employer may absorb the fee entirely as part of their benefits package.
Payactiv Visa® Prepaid Card fees
| Fee item | Typical amount |
|---|---|
| Monthly fee | $0 (waived with activity) |
| Card issuance | Free via in-app enrollment |
| Direct deposit (any source) | Free |
| Payactiv EWA transfer to the card | Free |
| In-network ATM withdrawal | Free |
| Out-of-network ATM withdrawal | Small per-transaction fee + ATM owner fee |
| Over-the-counter cash withdrawal at bank | May apply |
| International (non-US) transaction | Standard Visa® FX fee |
| Card replacement (expedited) | Fee may apply |
Savings, Bill Pay and Perks
- Payactiv Savings: $0. No account fee. No transfer fee between your Payactiv balance and your Savings goals.
- Payactiv Bill Pay: free for most billers; a small fee may apply for same-day expedited payments.
- Perks: no fee to access the marketplace. The discounts themselves are provided by the merchants.
- Payactiv Live counseling: free for members.
$200 – $5,000 personal funding through PayactivUSA
Personal funding on this site is offered through licensed third-party lenders in our partner network. Pricing varies by state, lender, your credit profile and the requested amount.
| Range | Typical APR band * | Typical term | Fund speed |
|---|---|---|---|
| $200 – $500 | Varies widely by state small-dollar rules | 1 – 6 months | Same or next business day |
| $500 – $1,500 | Mid-range installment APR | 3 – 12 months | Next business day |
| $1,500 – $5,000 | Lower installment APR for stronger profiles | 6 – 36 months | Next business day |
* Actual APR, origination fee and total cost are disclosed by the lender before you sign. We recommend reading the full TILA disclosure (the "Truth in Lending" box) carefully.
Fees we never charge
- No application fee for using PayactivUSA to request funding.
- No fee to read any article on this site.
- No fee to contact our editorial team.
- No prepayment penalty on EWA — you cannot pre-pay something that is not a loan.
Compliance note from Priya Tan, J.D.: Its EWA product is structured as an employer-partnered earned wage access service, not as a credit product under TILA. The $200–$5,000 personal funding offered through PayactivUSA partners is a credit product and comes with the TILA disclosures and state-specific limitations you would expect.