Compare Instant Financial and Payactiv 
Featured Products
At a Glance
Market Segments
Enterprise (93.3% of reviews)
Mid-Market (60.3% of reviews)
Entry-Level Pricing
Free
Free
Instant Financial
Star Rating
(16)4.7 out of 5
Market Segments
Enterprise (93.3% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Learn more about Instant FinancialPayactiv
Star Rating
(83)4.5 out of 5
Market Segments
Mid-Market (60.3% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Learn more about PayactivInstant Financial vs Payactiv
When assessing the two solutions, reviewers found Instant Financial easier to use, set up, and administer. Reviewers also preferred doing business with Instant Financial overall.
- Reviewers felt that Instant Financial meets the needs of their business better than Payactiv.
- When comparing quality of ongoing product support, reviewers felt that Instant Financial is the preferred option.
- For feature updates and roadmaps, our reviewers preferred the direction of Payactiv over Instant Financial.
Pricing
Entry-Level Pricing
Instant Financial
Instant Pricing
Free
Instant always offer a fee-free way for employees to access their pay. We're also no-cost to employers as well.
- Immediate access to earned pay
- Mobile app to track earnings and spending
- Visa® debit card
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
Instant Financial
No trial information availablePayactiv
No trial information availableRatings
Meets Requirements
9.5
13
8.8
47
Ease of Use
9.6
14
8.9
46
Ease of Setup
9.2
14
8.8
35
Ease of Admin
10.0
10
8.9
29
Quality of Support
9.5
13
8.4
46
Has the product been a good partner in doing business?
10.0
10
8.6
31
Product Direction (% positive)
8.1
12
8.4
44
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
Feature Not Available
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
9.7
6
7.6
9
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
9.7
6
7.2
6
Administration
9.4
6
5.3
6
9.7
5
5.3
6
9.7
6
7.5
6
9.5
7
4.4
6
Employee Management
10.0
5
Not enough data
10.0
5
Not enough data
10.0
5
Not enough data
Tip Management
10.0
5
Not enough data
10.0
5
Not enough data
10.0
5
Not enough data
10.0
5
Not enough data
Platform
10.0
6
Not enough data
9.7
5
Not enough data
10.0
5
Not enough data
Categories
Categories
Shared Categories
Instant Financial and Payactiv are categorized as Earned Wage Access and Financial Wellness
Unique Categories
Instant Financial is categorized as Tip Distribution
Payactiv has no unique categories
Reviews
Reviewers' Company Size
Instant Financial
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
Restaurants
78.6%
Food & Beverages
14.3%
Hospitality
7.1%
‐
‐
Other
0.0%
Hospital & Health Care
41.2%
Retail
8.8%
Non-Profit Organization Management
5.9%
Health, Wellness and Fitness
5.9%
Restaurants
4.4%
Other
33.8%
Discussions
Instant Financial 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
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