2026 Best Software Awards are here!See the list
Compare Earnin and Payactiv 
At a Glance
Market Segments
Small-Business (58.3% of reviews)
Mid-Market (62.1% of reviews)
Entry-Level Pricing
$0.00
Free
Earnin
Star Rating
(12)4.3 out of 5
Market Segments
Small-Business (58.3% of reviews)
Pros & Cons
Not enough data
Entry-Level Pricing
$0.00
Learn more about EarninPayactiv
Star Rating
(81)4.5 out of 5
Market Segments
Mid-Market (62.1% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Learn more about PayactivPricing
Entry-Level Pricing
Earnin
Earnin
$0.00
Earnin Financial Wellness Benefit
- Zero integration technology - no data exchange needed from payroll, HRIS, Time & Attendance
- Zero cost to employers.
- No mandatory fees to cashout - employees tip whatever they think is fair
Payactiv
Employer Cost
Free
A Holistic Financial Wellness Platform: Give your employees access to their earned
wages & support their financial wellness - at no cost to your business.
- Improve Employee Retention and Attraction
- Increase Productivity and Engagement
- Reduce Absenteeism and Turnover
Free Trial
Earnin
Free Trial is available
Payactiv
No trial information availableRatings
Meets Requirements
Not enough data
8.9
45
Ease of Use
Not enough data
8.9
44
Ease of Setup
Not enough data
8.8
33
Ease of Admin
Not enough data
8.9
27
Quality of Support
Not enough data
8.3
44
Has the product been a good partner in doing business?
Not enough data
8.5
29
Product Direction (% positive)
Not enough data
8.3
42
Features by Category
Platform Content
Not enough data
9.0
24
Not enough data
9.5
31
Not enough data
9.0
24
Platform Basics
Not enough data
9.3
23
Not enough data
9.4
28
Not enough data
9.1
20
Not enough data
9.0
28
Platform Additional Functionality
Not enough data
Feature Not Available
Not enough data
9.4
26
Not enough data
9.2
19
Not enough data
9.1
20
Platform Data
Not enough data
8.8
25
Not enough data
9.1
23
Not enough data
9.0
21
Not enough data
9.0
25
Payments
Not enough data
6.9
7
Not enough data
Not enough data
Not enough data
Not enough data
Financial wellness
Not enough data
5.3
5
Not enough data
5.7
5
Not enough data
7.7
5
Administration
Not enough data
5.3
6
Not enough data
5.3
6
Not enough data
7.5
6
Not enough data
4.4
6
Categories
Categories
Shared Categories
Earnin and Payactiv are categorized as Earned Wage Access and Financial Wellness
Unique Categories
Earnin has no unique categories
Payactiv has no unique categories
Reviews
Reviewers' Company Size
Earnin
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Payactiv
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Consumer Services
25.0%
Research
8.3%
Real Estate
8.3%
Professional Training & Coaching
8.3%
Marketing and Advertising
8.3%
Other
41.7%
Hospital & Health Care
42.4%
Retail
9.1%
Non-Profit Organization Management
6.1%
Health, Wellness and Fitness
6.1%
Restaurants
4.5%
Other
31.8%
Discussions
Earnin has no discussions with answers
Is this a loan?
2 Comments
Official Response from Payactiv
No. Users access only what they have already earned. No interest is charged.Read more
Does it impact employer's cash flow?
2 Comments
Official Response from Payactiv
No. PayActiv fronts the cash to the employees.Read more
How do businesses offer PayActiv benefit to their employees?
1 Comment
Official Response from Payactiv
PayActiv leverages existing time and attendance data to provide earned but unpaid wages to users. There is no cost to businesses to offer PayActiv benefit to...Read more
Hunting for software insights?
With over 3 million reviews, we can provide the specific details that help you make an informed software buying decision for your business. Finding the right product is important, let us help.
