Overview
If your employer does not allow you to split your paycheck between multiple direct deposit accounts, you may still be eligible to use the Perpay Marketplace through our Split program.
Marketplace
You can place orders on the Perpay Marketplace even if your employer does not support paycheck splitting.
Payments will be handled through Perpay’s Split program, outlined below.
Credit Card
The Perpay Credit Card, issued by Celtic Bank, requires a small direct deposit directly from your paycheck.
If you are unable to split your paycheck, you are not eligible for the Perpay Credit Card.
Exceptions
Individuals who receive SSI, SSDI, or VA benefits are eligible to apply for the Perpay Credit Card.
SSI, SSDI, and VA Benefits
Perpay accepts SSI/SSDI and VA benefit payments for Marketplace orders and the Credit Card.
Benefit payments are split using the same process described below.
How the Perpay Split Program Works
Step 1: Employer Eligibility
Your employer must be designated as a Perpay Split employer.
Perpay’s system does not automatically split paychecks unless your employer is properly set up.
Step 2: Contact Customer Success
If you are interested in using the Split program, contact Perpay Customer Success.
Our team will guide you through setting up your direct deposit correctly.
Step 3: Paycheck Deposit
Once set up, your employer will send your full paycheck to your unique Perpay account, held with our banking partner JP Morgan Chase.
Step 4: Automatic Split
Perpay will:
Apply your minimum required payment to your Marketplace order based on your agreed payment schedule.
Send the remaining balance of your paycheck to your primary personal bank account on the same day.
Important to Know
Perpay cannot change, cancel, or adjust any direct deposit sent by your employer or payroll provider.
Only you can make changes by contacting your employer or payroll provider directly.
Before placing your Marketplace order, please make sure that you meet our eligibility requirements here.
The Perpay Credit Card is issued by Celtic Bank.