With payactiv, you can access your earned wages before pay day with no cost to you. Scroll through the information below to learn how to sign up and start accessing your money today! If you signup for a payactiv debit card, you can access your wages in as little as 1 day after you work for free. If you choose to continue using your current debit card, there is a $1 fee to access you wages early. Click the button below to download the app and enroll for free.