Payactiv, the creators of Earned Wage Access (EWA) and a certified B Corp, today announced the launch of Access-as-a-Service^SM, an API-driven infrastructure that allows Fortune 100 employers, HCM providers, and enterprise platforms to embed EWA and financial wellness features directly into their systems—on their terms, under their brand.

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Access-as-a-Service model at Payactiv

This launch marks a major turning point in the evolution of EWA, moving beyond disjointed standalone apps to unified, scalable, and enterprise-ready infrastructure.

“For years, building EWA meant long integrations, complex compliance, and vendor-controlled branding,” said Sohail Aslam, Co-Founder and CTO of Payactiv. “With Access-as-a-Service^SM, we’ve packaged over a decade of enterprise-scale expertise into a single API. Partners now have everything they need to launch their own branded experience in days.”

“Payactiv created EWA, and today we’ve liberated it,” said Safwan Shah, Founder and CEO of Payactiv. “This launch represents a seismic shift in how Earned Wage Access can be delivered to the world. By leveraging the Payactiv API and launch toolkit, businesses can easily integrate EWA into their growth strategy.”

Proven and Trusted

Access-as-a-Service^SM is built on a scale-tested architecture that already powers some of the industry’s largest deployments:

• Trusted by 3 of the 5 largest HCM and payroll providers
• Serving millions of employees across Fortune 100 companies
• Full-service infrastructure: funding, risk management, compliance, EWA, card processing, settlement, and program management

Modular and Flexible

The API allows partners to choose the components they need, including:

• Earned Wage Access (EWA)
• Debit and payroll cards
• Rewards and recognition tools
• Goal-based saving and financial wellness services

Availability

Access-as-a-Service^SM is available now for enterprise partners, HCM providers, and financial institutions. To learn more or request access, visit payactiv.com/access.

About Payactiv

Payactiv, an award-winning, certified B Corp, is redefining access to earned wages and financial wellness. Serving over 40,000 businesses and millions of workers, Payactiv provides a digital wallet and a suite of tools that empower people to participate fully in the economy they help create. We believe in a workforce where growth is shared and dignity is preserved.

Payactiv has won the 2024 Stevie® Award for Excellence in Financial Technology, along with top honors from the HR Tech and California Excellence HR Awards—all recognizing its groundbreaking all-in-one platform that empowers employee financial wellness.

Learn more at www.payactiv.com. Follow us on X and LinkedIn.

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