{"app_store_id":792617775,"slug":"payactiv-792617775","name":"Payactiv","subtitle":"On-demand pay and beyond","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/9d/44/a0/9d44a06d-d10e-b457-bee4-75266bb5d25e/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/payactiv/id792617775?uo=4","price":0,"currency":"USD","rating":4.73989,"rating_count":83952,"in_app_purchases":false,"recent_rating":2.5,"recent_review_count":20,"reviews_checked_at":"2026-10-14T04:03:53.691Z","primary_genre":"Finance","version_date":"2026-10-18T03:45:24Z","updated_at":"2026-10-18T14:34:11.692Z","stale":false,"missing_since":null,"one_liner":"On-demand pay and beyond","verified_maker":false,"maker_site":null,"file_size_bytes":49685504,"minimum_os":"18.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8c/f0/01/8cf001b0-9426-07a4-bb99-431523dc714c/1242_U00a0_U00d7_U00a02208_01.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/db/38/06/db380624-698b-6010-e6b6-5d6f11fa3699/1242_U00a0_U00d7_U00a02208_02.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a2/63/7b/a2637bbe-0ed4-f3cf-2c9d-0d906e6ff26e/1242_U00a0_U00d7_U00a02208_03.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c5/1f/05/c51f0509-3866-e85d-cc5a-f64a5aca2663/1242_U00a0_U00d7_U00a02208_05.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2e/fb/a1/2efba172-4e4d-ad12-d304-8d9f40a9f493/1242_U00a0_U00d7_U00a02208_06.png/392x696bb.png"],"developer_name":"PayActiv Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/payactiv-792617775/","api_url":"https://apptierlist.com/api/v1/apps/payactiv-792617775","schema_version":"1.0","generated_at":"2026-10-20T01:20:32.157Z","data_as_of":"2026-10-19T10:50:12.218Z","description":"With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools.\nPayactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect:\n\n\n1. Earlier access to your money: \n   - Enjoy your paycheck up to 2 days early.1\n   - Receive government payments up to 4 days early.1\n   - Gain immediate access to earned wages.2\n\n2. Spending and saving tools to achieve your financial goals:\n   - Always stay informed about what's safe to spend.\n   - Easily track your spending habits at a glance.\n   - Receive low balance alerts.\n   - Set up automatic transfers from earned wages.\n\n3. The Payactiv Visa® Card*: A card designed without hidden fees:\n   - No minimum balance requirements.\n   - No overdrafts.\n   - No monthly or inactivity fees.\n   - Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs.\n   - Enjoy free integrated bill pay.\n   - Withdraw cash at tellers in participating banks.\n   - Send and receive funds to other enrolled members with no transfer fees.\n\n4. Convenience and security you can rely on:\n   - Seamlessly use the card with Google Pay or Apple Wallet.\n   - Utilize touchless payments at stores.\n   - Benefit from Visa's Zero Liability protection.3\n   - Easily lock or replace lost or stolen cards.\n   - Access 24/7/365 support in English and Spanish.\n\n\n*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.\n\n\n1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.\n\n\n2 Earned Wage Access requires employer participation.\n\n\n3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.","facts":{"developer_id":792617778,"developer_url":"https://www.payactiv.com/","first_released":"2014-01-13T22:37:57Z","support_url":"https://www.payactiv.com/help","privacy_url":"https://www.payactiv.com/privacy-policy/","website_url":"https://www.payactiv.com/","app_version":"2.2.9","release_notes":"This release delivers targeted performance enhancements and expanded compatibility with the latest iOS versions, improving application stability and ensuring a consistent, high-quality experience for end users.","rating_current_version":4.73989,"rating_count_current_version":83952,"star_counts":[3148,841,1390,3942,74631],"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad"],"chart":{"name":"top-free Finance","position":184}},"freshness":{"apple_read_at":"2026-10-18T14:34:11.692Z","catalog_read_at":"2026-10-18T14:34:11.692Z","reviews_checked_at":"2026-10-14T04:03:53.691Z","summary_written_at":null,"placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-19T10:50:12.218Z"},"editorial":null,"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":37,"tier":"D","score":71,"components":{"rating":94.8,"votes":89.2,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"cash-advances","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":141950,"at":"2026-10-17T05:23:13.390Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":null,"to":"D","reason":"checked from the list's side: ranked #39","job":"rescore"},{"id":107681,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"F","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":92084,"at":"2026-10-15T03:04:53.185Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"D","to":"F","reason":"rank shift: #33, score unchanged at 69.2, tier full (a quarter of the list)","job":"rescore"},{"id":78217,"at":"2026-10-14T12:36:19.780Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"F","to":"D","reason":"score 69.2","job":"rescore"},{"id":74733,"at":"2026-10-14T02:21:48.689Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"D","to":"F","reason":"score 69.2","job":"rescore"},{"id":72813,"at":"2026-10-14T00:33:47.703Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"F","to":"D","reason":"score 69.2","job":"rescore"},{"id":72043,"at":"2026-10-13T16:59:53.206Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"D","to":"F","reason":"score 69.3","job":"rescore"},{"id":67150,"at":"2026-10-13T00:39:54.712Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":"F","to":"D","reason":"score 69.3","job":"rescore"},{"id":37791,"at":"2026-10-09T07:22:03.522Z","kind":"tier_changed","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":null,"to":"F","reason":"score 69.4","job":"rescore"},{"id":30034,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"cash-advances","app_store_id":792617775,"app":"payactiv-792617775","from":null,"to":"active","reason":"Core job: access earned wages before payday to cover bills and unexpected expenses without payday loans.","job":"fill"},{"id":23022,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":792617775,"app":"payactiv-792617775","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cash-advances","list_name":"cash advances","status":"active","review_status":"checked","position":37,"tier":"D","score":71,"components":{"rating":94.8,"votes":89.2,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Payactiv's core purpose is giving early access to earned wages before payday. It is a direct alternative to DailyPay and EarnIn, which are already in this list.","verifier":"list check","decided_at":"2026-10-17T05:18:13.391Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core job: access earned wages before payday to cover bills and unexpected expenses without payday loans.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":38395,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/payactiv-792617775/"}}