What is 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.
How does EarnIn Card work?
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.
How much of my earnings can I access on my EarnIn Card?
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.
Is there any interest on purchases?
No, there's no interest on purchases with EarnIn Card.
Where is EarnIn Card accepted? Can I use it at ATMs?
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).
What types of transactions are not supported on the EarnIn Card?
Your EarnIn Card can't be used for sports betting, gambling, crypto purchases, or certain types of loan payments.
Note: You can use your EarnIn Card for rent payments if your landlord accepts payment via credit cards. However, rent or loan payments that can't be made with a credit card - like those requiring ACH transfers (using your account and routing number) or paper checks - aren't currently supported.
How much does EarnIn Card cost per month?
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.
How can EarnIn Card help build my credit?
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.
Who does EarnIn Card report my credit to?
EarnIn reports to all three credit bureaus: Equifax, TransUnion, and Experian.
What are the qualifications for EarnIn Card?
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.
