# PayActiv

**Canonical:** https://apis.io/providers/payactiv/  
**Website:** https://payactiv.com/  
**APIs profiled:** 1

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.

## Kin Score — 27.7 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 27.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 23.9 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 37.5 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **Payactiv Access-as-a-Service API** — 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 ...

## Security (2)

- **Payactiv Domain Security** — TLSv1.3 · HSTS · DMARC
- **Payactiv Trust Center** — SOC 2, ISO 27001, PCI DSS, CCPA, Visa Service Provider, Certified B Corporation

## Tags

Company, Financial Services, Earned Wage Access, Payments, Payroll, Human Resources, Cards, Financial Wellness, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/payactiv/). Scores are computed from the provider's own public artifacts under a published rubric.