Licenses & Disclosures
Last Updated: [INSERT DATE]
IMPORTANT: This page must be customized with your actual license information before launching. Work with your compliance attorney to ensure all required state and federal disclosures are included.
Company Information
Legal Name: Payhist, LLC
Doing Business As: Payhist
Principal Address: [INSERT ADDRESS]
NMLS ID: [INSERT NUMBER WHEN OBTAINED]
Tax ID: [INSERT EIN]
Phone: [INSERT PHONE NUMBER]
Email: support@payhist.com
Doing Business As: Payhist
Principal Address: [INSERT ADDRESS]
NMLS ID: [INSERT NUMBER WHEN OBTAINED]
Tax ID: [INSERT EIN]
Phone: [INSERT PHONE NUMBER]
Email: support@payhist.com
State Licenses
Missouri
License Type: Earned Wage Access Provider License
License Number: [INSERT LICENSE NUMBER]
Regulatory Authority: Missouri Division of Finance
Statute: Missouri Revised Statutes Chapter 361.749
License Date: [INSERT DATE]
Expiration: [INSERT DATE]
Status: Active/Good Standing
Regulator Contact:
Missouri Division of Finance
P.O. Box 716
Jefferson City, MO 65102
Phone: (573) 751-3242
Website: finance.mo.gov
License Number: [INSERT LICENSE NUMBER]
Regulatory Authority: Missouri Division of Finance
Statute: Missouri Revised Statutes Chapter 361.749
License Date: [INSERT DATE]
Expiration: [INSERT DATE]
Status: Active/Good Standing
Regulator Contact:
Missouri Division of Finance
P.O. Box 716
Jefferson City, MO 65102
Phone: (573) 751-3242
Website: finance.mo.gov
Texas
License Type: [INSERT IF APPLICABLE - Texas may not require specific EWA license as of 2026]
Registration: [INSERT DETAILS IF REQUIRED]
Status: Authorized to Operate
Registration: [INSERT DETAILS IF REQUIRED]
Status: Authorized to Operate
Texas does not currently require a specific earned wage access license. Payhist operates in Texas under [INSERT LEGAL BASIS - e.g., as a non-loan service not subject to lending regulations].
Future States
As Payhist expands to additional states, license information will be added here. States under consideration include Nevada, Kansas, and others.
NMLS Consumer Access
You can verify Payhist's licenses and regulatory standing through the Nationwide Multistate Licensing System (NMLS) Consumer Access website:
NMLS Consumer Access: www.nmlsconsumeraccess.org
Payhist NMLS ID: [INSERT NUMBER]
Payhist NMLS ID: [INSERT NUMBER]
You can search for Payhist by name or NMLS ID to view our licenses, regulatory actions, and other public information.
What Payhist Is (And Is Not)
Payhist IS:
- An Earned Wage Access (EWA) service that allows you to access wages you have already earned before your regular payday
- A technology platform connecting you to your earned wages
- A subscription service charging $16.99 per month for unlimited access
- Non-recourse - we do not report to credit bureaus or use debt collectors
Payhist IS NOT:
- A lender - We do not make loans
- A payday loan company - We charge no interest or APR
- A bank - We are a financial technology company partnering with banks
- A credit product - We do not make credit decisions based on creditworthiness
Fee Disclosure
Monthly Subscription
Amount: $16.99 per month
Billing: Charged automatically on the same date each month
What's Included: Unlimited access to draw against earned wages up to your eligible amount
Cancellation: Cancel anytime; access continues through end of billing period
Refunds: No prorated refunds for partial months
Billing: Charged automatically on the same date each month
What's Included: Unlimited access to draw against earned wages up to your eligible amount
Cancellation: Cancel anytime; access continues through end of billing period
Refunds: No prorated refunds for partial months
Transfer Fees
Standard 3-Day ACH: $0.00 (FREE)
Instant Transfer: $3.95 per transaction
Instant Transfer: $3.95 per transaction
No Other Fees: We do not charge interest, late fees, overdraft fees, or "tips."
APR Disclosure
Annual Percentage Rate (APR): 0%
Payhist does not charge interest. Advances are not loans. The subscription fee and optional instant transfer fee are the only costs.
How Payhist Works
- Connect Your Bank: Link your bank account to receive funds and enable automatic repayment
- Verify Income: Connect your employer's payroll system or provide proof of income to determine your eligible amount
- Request Advances: Draw up to your eligible amount (maximum $200) at any time
- Choose Transfer Speed: Get money instantly for $3.95 or free in 3 business days
- Automatic Repayment: On your next payday, we automatically debit your bank account for the full outstanding balance
Eligibility Criteria
To use Payhist, you must:
- Be at least 18 years old
- Be a resident of a state where Payhist is licensed
- Have a bank account in your name
- Have regular income from employment or gig work
- Provide accurate information and verification
Right to Cancel
You may cancel your Payhist subscription at any time with no penalty. Cancellation takes effect at the end of your current billing period. You remain responsible for repaying any outstanding advances even after cancellation.
Complaint Process
Contact Payhist
If you have a complaint or dispute, please contact us first:
Customer Support: support@payhist.com
Phone: [INSERT PHONE NUMBER]
Mail: Payhist, LLC, [INSERT ADDRESS]
We will respond to complaints within 10 business days.
Phone: [INSERT PHONE NUMBER]
Mail: Payhist, LLC, [INSERT ADDRESS]
We will respond to complaints within 10 business days.
Contact Regulators
If you are not satisfied with our response, you may contact the appropriate state regulator:
Missouri Residents:
Missouri Division of Finance
Consumer Credit Section
P.O. Box 716
Jefferson City, MO 65102
Phone: (573) 751-3242
Website: finance.mo.gov
Email: finance@dof.mo.gov
Missouri Division of Finance
Consumer Credit Section
P.O. Box 716
Jefferson City, MO 65102
Phone: (573) 751-3242
Website: finance.mo.gov
Email: finance@dof.mo.gov
Texas Residents:
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard
Austin, TX 78705
Phone: (800) 538-1579
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard
Austin, TX 78705
Phone: (800) 538-1579
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov
Consumer Rights
You Have the Right To:
- Receive clear information about fees and terms
- Cancel your subscription at any time
- Access your account information
- File complaints with regulators
- Dispute unauthorized transactions
- Receive customer support
We Cannot:
- Report your account to credit bureaus
- Send your account to debt collectors
- Garnish your wages
- Charge interest or late fees
- Pursue legal action for unpaid advances
Electronic Fund Transfer Disclosures
The following disclosures are provided in accordance with the Electronic Fund Transfer Act (EFTA):
Types of Transfers
- Advances to Your Bank: ACH credits to your linked bank account
- Repayments: ACH debits from your linked bank account on your payday
- Subscription Fees: Recurring monthly charges to your linked payment method
Transaction Limits
- Advance Limit: Up to your eligible amount (maximum $200 per cycle)
- Frequency: Unlimited draws up to your eligible amount until repayment required
Fees for Transfers
- Standard ACH: Free
- Instant Transfer: $3.95 per transaction
Error Resolution
If you believe there is an error or unauthorized transaction:
- Contact us immediately at support@payhist.com or [INSERT PHONE]
- We will investigate within 10 business days
- We will provide a written response within 45 days
- If we find an error, we will correct it promptly
Banking Partner Information
Banking Services Provided By: [INSERT BANK NAME]
Member FDIC
Payhist is a financial technology company, not a bank. Banking services are provided by our partner bank, which is a Member of the Federal Deposit Insurance Corporation (FDIC).
Member FDIC
Payhist is a financial technology company, not a bank. Banking services are provided by our partner bank, which is a Member of the Federal Deposit Insurance Corporation (FDIC).
Security and Privacy
Your information is protected using:
- 256-bit encryption for data transmission
- Secure, encrypted data storage
- Multi-factor authentication
- Regular security audits
For complete details, see our Privacy Policy.
Terms of Service
By using Payhist, you agree to our Terms of Service. Please review them carefully.
Third-Party Service Providers
Payhist uses the following types of service providers:
- Payment Processing: To facilitate transfers and payments
- Identity Verification: To verify your identity and prevent fraud
- Payroll Integration: To access your earnings data (with your permission)
- Bank Connectivity: To link your bank account securely
Additional Resources
- Consumer Financial Protection Bureau (CFPB)
- NMLS Consumer Access
- Payhist Privacy Policy
- Payhist Terms of Service
LEGAL NOTICE: Before publishing this page, you MUST:
- Insert all actual license numbers and dates
- Verify all regulatory information is current
- Add any additional state-specific disclosures
- Have this reviewed by a compliance attorney
- Update partner bank information
- Confirm NMLS number and listing
- Ensure all contact information is correct