Access your pay in real time with Live Pay

Live Pay is the groundbreaking technology behind EarnIn Card that gets you paid in real time as you work. It enables you to access up to $1,500 per pay period, based on eligibility and usage limits.

It’s the evolution of over a decade of same-day pay with EarnIn's Cash Out, which has helped millions of people access billions of dollars of their pay.

But with Live Pay, instead of your earnings updating daily, they rise every second of the workday, available right on your EarnIn Card.

EarnIn Card lets you seamlessly access your pay in real time - up to $1,500 per pay period. EarnIn Card can be used anywhere Visa is accepted.

When you link your bank and work info on the app, EarnIn verifies your earnings and makes them available on your card throughout the workday with Live Pay.

Watch your available balance tick up in the app, and use your EarnIn Card to make purchases of up to $1,500 per day or withdraw up to $300 cash from an ATM per day, subject to your available balance.

You can access up to $1,500 of your pay every pay period, spend up to $1,500 a day with your EarnIn Card, and withdraw up to $300 a day from ATMs for $2.99 a withdrawal (additional third-party ATM fees may apply).

The pay and withdrawals you can access are subject to your available balance, which updates in the app as you spend.

No, there's no interest on purchases with EarnIn Card.

EarnIn Card can be used anywhere Visa is accepted. You can also withdraw up to $300 per day at ATMs for $2.99 per transaction (additional third-party ATM fees may apply).⁴

Currently, EarnIn Card does not support transactions for sports betting, gambling, rent payments, loan payments, or cryptocurrency/bitcoin. Foreign transactions on Apple Pay or Visa are also not supported at this time.

Using EarnIn Card as designed (with autopay turned on) is just $2.99 a month.

If you don't want to use autopay, you can use the manual pay option instead. When you pay your balance manually, EarnIn Card costs $12.99 a month plus a one-time $5 processing fee to issue your card.

But that's not what we designed the card for, so we highly recommend using your EarnIn Card as intended with autopay to save $10 a month, have that $5 processing fee waived, and get the most out of the Live Pay experience.

On-time payments make up 35% of your credit score. With autopay on your EarnIn Card, you're able to establish credit history simply by making everyday purchases and on-time payments. It helps the bureaus see that you demonstrate creditworthiness over time.

EarnIn reports to all three credit bureaus: Equifax, TransUnion, and Experian.

The EarnIn Card is made for anyone who receives a recurring paycheck!

To get started, you just need to meet a few simple requirements: be at least 18 years old, and live in the U.S. full-time.

Because EarnIn Card works based on your earnings instead of your credit score, you'll need to set up an EarnIn Account and a Deposit Account to receive your qualifying direct deposits of at least $1000 per month (or $500 every 2 weeks, or $250 every week). To keep your EarnIn Card active, just make sure you're receiving that same minimum qualifying direct deposit of least $1000 each month (or $500/biweekly, or $250/week) into that same account.

Please do note, the EarnIn Card is currently not supported within the following states: Connecticut, Washington DC, Hawaii, Massachusetts, Michigan, Minnesota, New Jersey, and Nevada.