# Instant Financial, Payactiv vs Wisely® by ADP Comparison

| | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Star Rating** | 4.7 out of 5 | 4.5 out of 5 | 3.5 out of 5 | 
| **Total Reviews** | 16 | 83 | 45 | 
| **Largest Market Segment** | Enterprise (93.3% of reviews) | Mid-Market (60.3% of reviews) | Mid-Market (53.5% of reviews) | 
| **Entry Level Price** | Free | Free | No pricing available | 

---
## Top Pros & Cons

### Instant Financial

Pros:
- Customer Support (7 reviews)
- Ease of Use (6 reviews)

Cons:
- Poor Customer Support (2 reviews)
- Poor Email Communication (2 reviews)

### Payactiv

Pros:
- Early Payment Access (16 reviews)
- Setup Ease (12 reviews)

Cons:
- High Fees (5 reviews)
- Payroll Issues (4 reviews)

### Wisely® by ADP

Pros:
- Early Payment Access (2 reviews)
- Access Availability (1 reviews)

Cons:
- High Fees (1 reviews)

---
## Ratings Comparison
| Rating | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
  | **Meets Requirements** | 9.5 (13 reviews) | 8.8 (47 reviews) | 7.7 (26 reviews) | 
  | **Ease of Use** | 9.6 (14 reviews) | 8.9 (46 reviews) | 7.6 (26 reviews) | 
  | **Ease of Setup** | 9.2 (14 reviews) | 8.8 (35 reviews) | 9.2 (10 reviews) | 
  | **Ease of Admin** | 10.0 (10 reviews) | 8.9 (29 reviews) | 8.8 (8 reviews) | 
  | **Quality of Support** | 9.5 (13 reviews) | 8.4 (46 reviews) | 7.2 (24 reviews) | 
  | **Has the product been a good partner in doing business?** | 10.0 (10 reviews) | 8.6 (31 reviews) | 8.8 (8 reviews) | 
  | **Product Direction (% positive)** | 8.1 (12 reviews) | 8.4 (44 reviews) | 6.3 (19 reviews) | 

---
## Pricing

### Instant Financial

#### Entry-Level Pricing

Plan: Instant Pricing

Price: Free

Description: Instant always offer a fee-free way for employees to access their pay. We're also no-cost to employers as well.

Key Features:
- Immediate access to earned pay
- Mobile app to track earnings and spending
- Visa® debit card

[Learn more about Instant Financial](https://www.g2.com/products/instant-financial/reviews)

#### Free Trial

No

### Payactiv

#### Entry-Level Pricing

Plan: Employer Cost

Price: Free

Description: A Holistic Financial Wellness Platform: Give your employees access to their earned
wages & support their financial wellness - at no cost to your business.

Key Features:
- Improve Employee Retention and Attraction
- Increase Productivity and Engagement
- Reduce Absenteeism and Turnover

[Learn more about Payactiv](https://www.g2.com/products/payactiv/reviews)

#### Free Trial

No

### Wisely® by ADP

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Financial Wellness

| Product | Score | Reviews |
|---|---|---|
| **Instant Financial** | N/A | N/A |
| **Payactiv** | 9.1/10 | 35 |
| **Wisely® by ADP** | 8.0/10 | 12 |

#### Platform Content

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Education Tools** | Not enough data | 9.0 (24 reviews) | 7.5 (8 reviews) | 
| **Mobile Tools** | Not enough data | 9.5 (31 reviews) | 8.3 (9 reviews) | 
| **Content Library** | Not enough data | 9.0 (24 reviews) | 7.2 (9 reviews) | 

#### Platform Basics

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Program Management** | Not enough data | 9.3 (23 reviews) | 8.5 (9 reviews) | 
| **Secure** | Not enough data | 9.4 (28 reviews) | 8.7 (9 reviews) | 
| **Interoperability** | Not enough data | 9.1 (20 reviews) | 7.9 (8 reviews) | 
| **Performance** | Not enough data | 9.0 (28 reviews) | 8.5 (9 reviews) | 

#### Platform Additional Functionality

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Services** | Not enough data | Feature Not Available | 7.7 (10 reviews) | 
| **Employee Portal** | Not enough data | 9.4 (26 reviews) | 8.3 (10 reviews) | 
| **Gamification** | Not enough data | 9.2 (19 reviews) | 7.8 (6 reviews) | 
| **Education** | Feature Not Available | 9.1 (20 reviews) | 8.3 (8 reviews) | 

#### Platform Data

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Dashboard & Reporting** | Not enough data | 8.8 (25 reviews) | 7.6 (9 reviews) | 
| **Visualization** | Not enough data | 9.1 (23 reviews) | 8.1 (9 reviews) | 
| **Platform Search** | Not enough data | 9.0 (21 reviews) | 7.4 (7 reviews) | 
| **Alerts and Notifications** | Not enough data | 9.0 (25 reviews) | 8.7 (10 reviews) | 

### Earned Wage Access

| Product | Score | Reviews |
|---|---|---|
| **Instant Financial** | 9.6/10 | 7 |
| **Payactiv** | 6.0/10 | 9 |
| **Wisely® by ADP** | 7.6/10 | 14 |

#### Payments

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Earned wage access** | 9.7 (6 reviews) | 7.6 (9 reviews) | 8.9 (14 reviews) | 
| **Tips and mileage reimbursement** | Not enough data | Not enough data | 7.4 (9 reviews) | 
| **Awarding bonuses** | Not enough data | Not enough data | 7.7 (11 reviews) | 

#### Financial wellness

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Financial wellness tools** | Not enough data | 5.3 (5 reviews) | 7.5 (8 reviews) | 
| **Automatic savings** | Not enough data | 5.7 (5 reviews) | 7.3 (8 reviews) | 
| **Debit card** | 9.7 (6 reviews) | 7.2 (6 reviews) | 7.1 (11 reviews) | 

#### Administration

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Reports and dashboards** | 9.4 (6 reviews) | 5.3 (6 reviews) | 8.0 (10 reviews) | 
| **Compliance** | 9.7 (5 reviews) | 5.3 (6 reviews) | 7.0 (10 reviews) | 
| **Mobile compatibility** | 9.7 (6 reviews) | 7.5 (6 reviews) | 7.6 (12 reviews) | 
| **Integrations** | 9.5 (7 reviews) | 4.4 (6 reviews) | 7.8 (9 reviews) | 

### Tip Distribution

| Product | Score | Reviews |
|---|---|---|
| **Instant Financial** | 10.0/10 | 6 |
| **Payactiv** | N/A | N/A |
| **Wisely® by ADP** | N/A | N/A |

#### Employee Management

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Shift Tracking** | 10.0 (5 reviews) | Not enough data | Not enough data | 
| **Employee Profiles** | 10.0 (5 reviews) | Not enough data | Not enough data | 
| **Employee Segmenting** | 10.0 (5 reviews) | Not enough data | Not enough data | 

#### Tip Management

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Tipout Rules** | 10.0 (5 reviews) | Not enough data | Not enough data | 
| **Payment Tracking** | 10.0 (5 reviews) | Not enough data | Not enough data | 
| **PCI Compliance** | 10.0 (5 reviews) | Not enough data | Not enough data | 
| **Automated Payout** | 10.0 (5 reviews) | Not enough data | Not enough data | 

#### Platform

| Feature | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Reporting** | 10.0 (6 reviews) | Not enough data | Not enough data | 
| **POS Integration** | 9.7 (5 reviews) | Not enough data | Not enough data | 
| **Encryption** | 10.0 (5 reviews) | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (2):** [Earned Wage Access Software](https://www.g2.com/categories/earned-wage-access), [Financial Wellness Software](https://www.g2.com/categories/financial-wellness)

**Unique to Instant Financial (1):** [Tip Distribution Software](https://www.g2.com/categories/tip-distribution)




---
## Reviewer Demographics

### By Company Size

| Segment | Instant Financial | Payactiv | Wisely® by ADP | 
|---|---|---|---|
| **Small-Business** | 0% | 14.7% | 23.3% | 
| **Mid-Market** | 6.7% | 60.3% | 53.5% | 
| **Enterprise** | 93.3% | 25.0% | 23.3% | 

### By Industry

#### Instant Financial

- **Restaurants:** 78.6%
- **Food & Beverages:** 14.3%
- **Hospitality:** 7.1%

#### Payactiv

- **Hospital & Health Care:** 41.2%
- **Retail:** 8.8%
- **Non-Profit Organization Management:** 5.9%
- **Health, Wellness and Fitness:** 5.9%
- **Restaurants:** 4.4%
- **Telecommunications:** 2.9%
- **Apparel & Fashion:** 1.5%
- **Automotive:** 1.5%
- **Banking:** 1.5%
- **Computer & Network Security:** 1.5%
- **Other:** 25.0%

#### Wisely® by ADP

- **Computer Software:** 9.3%
- **Logistics and Supply Chain:** 9.3%
- **Automotive:** 7.0%
- **Education Management:** 7.0%
- **Civic & Social Organization:** 4.7%
- **Entertainment:** 4.7%
- **Financial Services:** 4.7%
- **Health, Wellness and Fitness:** 4.7%
- **Staffing and Recruiting:** 4.7%
- **Security and Investigations:** 4.7%
- **Other:** 39.5%

---
## Alternatives

### Alternatives to Instant Financial

- [ProLiant](https://www.g2.com/products/proliant/reviews) — 4.4/5 stars (694 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6356 reviews)
- [Inova Payroll](https://www.g2.com/products/inova-payroll/reviews) — 4.4/5 stars (639 reviews)
- [SmartDollar](https://www.g2.com/products/smartdollar/reviews) — 4.8/5 stars (599 reviews)
- [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (545 reviews)
- [Sprout Solutions](https://www.g2.com/products/sprout-solutions-philippines-inc-sprout-solutions/reviews) — 4.7/5 stars (448 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (204 reviews)
- [Push Operations](https://www.g2.com/products/push-operations/reviews) — 4.4/5 stars (158 reviews)
- [DailyPay](https://www.g2.com/products/dailypay/reviews) — 4.7/5 stars (92 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)

### Alternatives to Payactiv

- [DailyPay](https://www.g2.com/products/dailypay/reviews) — 4.7/5 stars (92 reviews)
- [Branch](https://www.g2.com/products/branch-branch/reviews) — 4.7/5 stars (63 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)
- [ProLiant](https://www.g2.com/products/proliant/reviews) — 4.4/5 stars (694 reviews)
- [Sprout Solutions](https://www.g2.com/products/sprout-solutions-philippines-inc-sprout-solutions/reviews) — 4.7/5 stars (448 reviews)
- [SmartDollar](https://www.g2.com/products/smartdollar/reviews) — 4.8/5 stars (599 reviews)
- [Inova Payroll](https://www.g2.com/products/inova-payroll/reviews) — 4.4/5 stars (639 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (204 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6356 reviews)
- [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (545 reviews)

### Alternatives to Wisely® by ADP

- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (204 reviews)
- [DailyPay](https://www.g2.com/products/dailypay/reviews) — 4.7/5 stars (92 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6356 reviews)
- [ProLiant](https://www.g2.com/products/proliant/reviews) — 4.4/5 stars (694 reviews)
- [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (545 reviews)
- [Sprout Solutions](https://www.g2.com/products/sprout-solutions-philippines-inc-sprout-solutions/reviews) — 4.7/5 stars (448 reviews)
- [SmartDollar](https://www.g2.com/products/smartdollar/reviews) — 4.8/5 stars (599 reviews)
- [Inova Payroll](https://www.g2.com/products/inova-payroll/reviews) — 4.4/5 stars (639 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)
- [Peanut Butter](https://www.g2.com/products/peanut-butter/reviews) — 4.9/5 stars (132 reviews)

---
## Top Discussions

### Instant Financial

No discussions available for this product.

### Payactiv

- Title: [Does it impact employer's cash flow?](https://www.g2.com/discussions/does-it-impact-employer-s-cash-flow) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "No. PayActiv fronts the cash to the employees."
- Title: [Is this a loan?](https://www.g2.com/discussions/is-this-a-loan) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "No. Users access only what they have already earned. No interest is charged."
- Title: [Does PayActiv process payroll?](https://www.g2.com/discussions/does-payactiv-process-payroll) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "No. The employer or their designated payroll provider processes payroll. PayActiv provides access to earned wages between paychecks. "
- Title: [How do businesses offer PayActiv benefit to their employees?](https://www.g2.com/discussions/how-do-businesses-offer-payactiv-benefit-to-their-employees) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "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..."

### Wisely® by ADP

- Title: [Is wisely connected to ADP?](https://www.g2.com/discussions/is-wisely-connected-to-adp) — 3 comments
  > **Top comment:** "Yes, it is. ADP and WISELY work very well together!"
- Title: [What is wisely pay by ADP?](https://www.g2.com/discussions/what-is-wisely-pay-by-adp) — 1 comment
  > **Top comment:** "A pay card that employees can have their paychecks deposited to instead of an actual bank account."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/instant-financial-vs-payactiv-vs-wisely-by-adp)