aid: payactiv
name: PayActiv
description: >-
  Payactiv is a Milpitas, California financial-worktech company that provides Earned Wage Access (EWA),
  a digital wallet, Visa prepaid and payroll cards, savings and financial-wellness services to hourly
  workers through their employers. Its developer-facing product, Access-as-a-Service, packages that
  platform as modular APIs so HCM, HRIS, payroll and benefits platforms can embed earned wage access,
  card issuance and transactions, instant payouts and workforce-data workflows under their own brand.
  The API surface is documented as OpenAPI-based inside a developer portal at developer.payactiv.com,
  which also carries the platform change log and sandbox environments; the portal requires an account,
  so no public specification, reference or sandbox values are reachable anonymously. Payactiv is
  registered with NMLS (ID 2591928) and holds state EWA licenses, and publishes a Trust Center citing
  SOC 2, ISO 27001, PCI DSS and CCPA.
image: https://payactiv.com/wp-content/uploads/2021/04/cropped-siteicon-192x192.png
url: https://raw.githubusercontent.com/api-evangelist/payactiv/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-04'
modified: '2026-08-04'
tags:
- Company
- Financial Services
- Earned Wage Access
- Payments
- Payroll
- Human Resources
- Cards
- Financial Wellness
- Fintech
apis:
- aid: payactiv:payactiv-access-as-a-service-api
  name: Payactiv Access-as-a-Service API
  description: >-
    Access-as-a-Service is Payactiv's API-driven infrastructure for embedding Earned Wage Access, debit
    and payroll card programs, instant payouts, and HCM workforce-data workflows into a partner platform
    under the partner's own brand. Payactiv documents the surface as authentication, orchestration,
    webhooks and sandbox environments, with an OpenAPI-based reference, change log and sandbox samples
    published inside the developer portal. The specification is not served anonymously.
  humanURL: https://payactiv.com/developers/
  baseURL: https://api.payactiv.com
  tags:
  - Earned Wage Access
  - Payouts
  - Cards
  - Payroll
  - Webhooks
  properties:
  - type: DeveloperPortal
    url: https://developer.payactiv.com/
  - type: Documentation
    url: https://payactiv.com/developers/
  - type: SignUp
    url: https://developer.payactiv.com/#/signup
  - type: Login
    url: https://developer.payactiv.com/#/login
  x-evidence:
    fetched: '2026-08-04'
    baseURL_probe:
      url: https://api.payactiv.com/
      http_status: 500
      note: >-
        Host resolves to an AWS ELB named api-v2 fronting Microsoft-IIS/10.0 (ASP.NET 4.0); the root
        path returns an ASP.NET runtime-error page, so the host is live but exposes no anonymous route.
    reference_probe:
      url: https://apidevelopergatewayservice.payactiv.com/users/modules/1
      http_status: 401
      note: >-
        The developer portal (Angular SPA, meta robots noindex,nofollow) loads its OpenAPI documents
        from this gateway endpoint and renders them with swagger-ui-dist / redoc. Anonymous requests
        return 401, so the specification cannot be harvested without portal credentials.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://payactiv.com/
- type: DeveloperPortal
  url: https://developer.payactiv.com/
- type: Documentation
  url: https://payactiv.com/developers/
- type: SignUp
  url: https://developer.payactiv.com/#/signup
- type: Login
  url: https://developer.payactiv.com/#/login
- type: Support
  url: https://payactiv.com/help/
- type: Blog
  url: https://payactiv.com/blog/
- type: TermsOfService
  url: https://payactiv.com/terms-of-use/
- type: PrivacyPolicy
  url: https://payactiv.com/privacy-policy/
- type: Compliance
  url: https://payactiv.com/trust-center/
- type: StatusPage
  url: https://status.payactiv.com/
- type: LLMsTxt
  url: llms/payactiv-llms.txt
- type: WellKnown
  url: well-known/payactiv-well-known.yml
- type: DomainSecurity
  url: security/payactiv-domain-security.yml
- type: TrustCenter
  url: security/payactiv-trust-center.yml
- type: Conformance
  url: conformance/payactiv-conformance.yml
- type: Lifecycle
  url: lifecycle/payactiv-lifecycle.yml
x-enrichment:
  date: '2026-08-04'
  status: minimal
  artifacts_added: 6
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: >-
    Payactiv markets an OpenAPI-based Access-as-a-Service reference, change log and sandbox, but the
    portal at developer.payactiv.com is an Angular SPA marked noindex,nofollow that loads every spec
    from apidevelopergatewayservice.payactiv.com/users/modules/{id}, which returns 401 without portal
    credentials.
  evidence:
  - url: https://apidevelopergatewayservice.payactiv.com/users/modules/1
    status: 401
  - url: https://developer.payactiv.com/openapi.json
    status: 200
  - url: https://api.payactiv.com/openapi.json
    status: 500
  - url: https://payactiv.com/.well-known/agent-card.json
    status: 404
  checked: '2026-08-04'