Payactiv

What is Payactiv?

Payactiv revolutionized the workplace by pioneering Earned Wage Access¹ (EWA), giving employees timely access to their earned wages—helping them avoid payday loans, overdraft fees, and financial stress.

Now, we’re leading the next wave with a comprehensive financial wellness platform designed to support every step of an employee’s financial journey.

For employers, Payactiv integrates seamlessly with existing payroll systems at no direct cost. Offering Payactiv boosts employee satisfaction, retention, and productivity—while positioning your company as an employer of choice that prioritizes workforce well-being.

_{1 Earned Wage Access requires employer participation. Employees can only access a portion of the wages they have earned to date.} 

What are the benefits of using Payactiv?

Partnering with Payactiv gives your business a powerful, no-cost way to support employee financial wellness. Our platform provides timely access to earned wages¹—instantly or fee-free²—via bank transfer, Payactiv Visa^®️ Card*, Venmo, PayPal, or even for essentials like Uber and Walmart cash pickup. 

Beyond Earned Wage Access, Payactiv enables compliant off-cycle pay, automatic bill pay, goal-based savings³ with optional employer match and free 1:1 financial coaching. You can also streamline tips and mileage disbursements and keep deskless teams connected with in-app communication tools. 

With customizable guardrails and seamless payroll integration, Payactiv helps reduce turnover, improve retention, and boost employee satisfaction—all at zero cost to you.  

How does the app work?

Integration coming soon!

Payactiv integrates securely with isolved via APIs to enable real-time data exchange across four key areas: Census, Time & Attendance, Deductions, and Deduction Reconciliation. 

How it works: 

• Integration begins with secure authentication using OAuth 2.0. Payactiv makes a POST request to the isolved API authorization server with the OAuth Client ID and Secret (via Basic Authentication) to obtain an access token. This token is used for all subsequent API calls, ensuring secure communication. 
• After authentication, Payactiv uses the List of Clients & Legals endpoint to identify all clients linked to the credentials. This is essential in multi-client environments, ensuring data is accessed only for the intended employer. 
• Note: The demo (pre-production) environment includes two test clients for integration validation. 
• This structured, secure integration supports scalable, compliant data sharing—streamlining payroll processes and delivering Payactiv benefits with minimal lift. 

Data Feeds Overview: 

Census Feed: Retrieves employee demographic and employment details (e.g., employee ID, name, status, pay rate, work location) to build user profiles in Payactiv. 

Time & Attendance Feed: Captures worked hours to calculate earned wage availability. 

Deduction Feed: Payactiv submits deduction details (amount, code, pay period) via POST API calls for processing during payroll. 

Deduction Reconciliation Feed: Confirms applied deductions post-payroll, including employee ID, name, deduction amount, and code. 

 _{1 Earned Wage Access requires employer participation. Employees can only access a portion of the wages they have earned to date.} 

_{2 To qualify, you must have one (1) successful direct deposit of $200 or more to the Payactiv Visa Card per pay period. If this qualification isn’t met, then a load fee of $2.49 will be charged.} 

_{3 Goal-based saving is a set-aside account, and you will not receive interest or other earnings on funds in your goal-based account.} 

_{*Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1-877-747-5862, 24 hours a day, 7 days a week.} 

If you are an employer currently using this app and have questions about the integration, please contact your isolved Customer Service Representative. 

If you are an employer interested in learning more about this app, please use the Contact Us button above to be connected.