# Payactiv — Payment Provider

Earned wage access platform enabling employees to access earned but unpaid wages before payday with financial wellness tools.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Earned Wage Access
- **Fees:** $5 per transfer or employer-sponsored
- **Fee model:** flat-rate
- **Headquarters:** Annapolis, Maryland
- **Founded:** 2012
- **Settlement time:** Instant
- **Sandbox:** no
- **Webhooks:** no
- **Categories:** traditional
- **Regions:** north-america
- **Countries served:** 1 (US)
- **Payment methods:** ach, direct_deposit, visa
- **Features:** instant-payout
- **Platforms:** mobile

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/payactiv#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=payactiv&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/payactiv

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)