# Netspend Skylight PayOptions Reviews **Vendor:** Netspend **Category:** [Financial Wellness Software](https://www.g2.com/categories/financial-wellness) **Average Rating:** 4.4/5.0 **Total Reviews:** 18 ## About Netspend Skylight PayOptions The Skylight® PayOptions™ Program by Netspend offers a comprehensive payroll solution that enables employers to electronically distribute wages to employees through the Skylight ONE® Prepaid Card. This program is designed to streamline payroll processes, reduce costs associated with paper checks, and provide employees with convenient access to their earnings. Key Features and Functionality: - Direct Deposit: Employers can deposit wages directly onto employees' Skylight ONE® Prepaid Cards, eliminating the need for paper checks. - Mobile App and Online Account Center: Employees can manage their accounts, check balances, and view transaction histories via the Skylight Mobile App and Online Account Center. - Savings Account Option: An optional savings account is available, allowing employees to save for future expenses. - Anytime Alerts™: Employees receive customizable text or email notifications about their transactions. - Payback Rewards℠: Cardholders can earn cash back on everyday purchases at participating retailers. - Virtual Account Numbers: For added security during online or phone transactions, employees can generate virtual account numbers. - Comprehensive Training and Support: Netspend provides training tools, employee education materials, and a dedicated client support team to assist with program implementation and ongoing management. Primary Value and Solutions Provided: The Skylight PayOptions Program addresses several challenges faced by employers and employees: - For Employers: The program streamlines payroll operations by reducing the reliance on paper checks, potentially saving between $2.87 and $3.15 per transaction. It also offers robust reporting capabilities and ensures compliance with regulatory requirements. - For Employees: The program provides a secure and convenient method to receive wages, especially for those without traditional banking services. Employees benefit from immediate access to funds, reduced check-cashing fees, and tools to manage their finances effectively. By implementing the Skylight PayOptions Program, businesses can enhance operational efficiency, reduce payroll costs, and offer employees a valuable financial management tool. ## Netspend Skylight PayOptions Pros & Cons **What users like:** - Users love the **ease of use** of Netspend Skylight PayOptions, finding it convenient for managing finances effortlessly. (6 reviews) - Users value the **early payment access** with Netspend Skylight PayOptions for its flexibility and convenience in managing payments. (4 reviews) - Users appreciate the **easy management** of Netspend Skylight PayOptions, simplifying payroll and ensuring timely payments for employees. (3 reviews) - Users appreciate the **flexible payment options** of Netspend Skylight PayOptions, providing convenience for employees and businesses alike. (3 reviews) - Users appreciate the **no fees** associated with cashing checks, making payroll processing more convenient and cost-effective. (3 reviews) - Automation (1 reviews) - Benefits (1 reviews) - Early Access (1 reviews) - Efficiency (1 reviews) - Navigation Ease (1 reviews) **What users dislike:** - Users report **high fees** with Netspend Skylight PayOptions that make accessing their money frustratingly expensive. (5 reviews) - Users often experience **poor customer support** , leading to dissatisfaction with service and transaction issues. (2 reviews) - Users face challenges with **integration issues** , needing to manually add employees due to lack of HRIS compatibility. (1 reviews) - Users feel restricted by **limited customization** , lacking necessary controls to manage employee spending effectively. (1 reviews) - Users face challenges due to the **manual processes** required for adding employees, impacting efficiency and convenience. (1 reviews) - Payroll Issues (1 reviews) - Slow Performance (1 reviews) ## Netspend Skylight PayOptions Reviews ### 1. I love Netspend because i am able to get direct deposit, a debit card, and can use it anywhere. **Rating:** 5.0/5.0 stars **Reviewed by:** shenelle b. | security officer, Small-Business (50 or fewer emp.) **Reviewed Date:** January 25, 2025 **What do you like best about Netspend Skylight PayOptions?** I like the payback rewards for simply just using my card. **What do you dislike about Netspend Skylight PayOptions?** Having to use a check to get all of my funds and that i cannot use my netspend card to rental a car. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** N/a ### 2. Netspend Skylight PayOptions **Rating:** 5.0/5.0 stars **Reviewed by:** Tammy O. | COO ACQUISITION CONTRACT SALES, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** Easy access for online payment without overexposure of your bank account. You can make deposit of your bill amount only to netspend, pay your bill with the account and keep the account open until you need to make another bill payment. There is no service change only one time monthly payment for use, which equals to your bank account monthly payment, but lower. 9.99/month. **What do you dislike about Netspend Skylight PayOptions?** not a thing. it easy to use, easy to load. You can load the account by linking it to your account or load cash through loading centers. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** Making Bill payments easy. ### 3. Made payroll faster and more efficient **Rating:** 4.0/5.0 stars **Reviewed by:** Wyatt C. | Chief Growth Officer, Mid-Market (51-1000 emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** Netspend Skylight PayOptions is a good one for businesses like mine who are considering moving to a completely electronic payroll method. They provide reloadable prepaid cards to their employees for paying their wages, that in turn dismiss the use of cheques. **What do you dislike about Netspend Skylight PayOptions?** It seems that employers are locked out of customizing their experience in a way students can. For example, I may not set spending controls or monitor the activities undertaken by the employees using their company cards through the platform. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** I have benefited from Skylight PayOptions since it has made it easy for my small business to do away with paper checks. The electronic system is faster and trimmers down the bureaucratic hassles. The electronic transfer of pay is also admired by the employees too. ### 4. Easy Paycard Option **Rating:** 4.5/5.0 stars **Reviewed by:** Kamal G. | H, Mid-Market (51-1000 emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** Quick and efficient way to get employees paid without the hassle of waiting for their banking information. They simplify the payroll process, ensuring employees are paid on time while reducing administrative headaches. It’s a seamless solution for both employers and employees! Implementation was easy as well! **What do you dislike about Netspend Skylight PayOptions?** Overall it is good but sometimes customer service is slow. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** not applicable ### 5. Very convenient and useful **Rating:** 5.0/5.0 stars **Reviewed by:** Tyteanna B. | Crew Member, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** I like that employers can now give you your paycheck via credit card instead the traditional paper way. I don't like the fees that come with cashing checks so this is the best thing to me. **What do you dislike about Netspend Skylight PayOptions?** I don't dislike anything. It's very secure once you set your pin you will have to verify yourself to access info about your payoptions card. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It's solving the inconvenience that comes with traditional paper checks and it benefits me by saving me money on fees to cash checks and having my money on a card is a plus. ### 6. I use it every week ! **Rating:** 5.0/5.0 stars **Reviewed by:** Ja'mika C. | Retail Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** The fast pay options I use it for direct deposit and it is highly recommended **What do you dislike about Netspend Skylight PayOptions?** Nothing each week pay is on time it's the number one recommendation to anyone wanting pay early **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** Customer service, it's sometimes hard to contact customer service but they are working on it ### 7. A Convenient Pay Option for All **Rating:** 4.0/5.0 stars **Reviewed by:** Nicole C. | HR Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** Netspend Skylight PayOptions is easy to use and convenient for all of our employees. It is secure and allows employees without a bank account get paid without any hassle. **What do you dislike about Netspend Skylight PayOptions?** Did not integrate with HRIS system so had to manually add employees to the system. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** Netspend solved the problem or offering our employees an option on how they get paid instead of having to receive a papercheck. It saved the company money. ### 8. Great for payroll accounts **Rating:** 4.5/5.0 stars **Reviewed by:** Monica D. | Shop Owner/ Freelance AI Specialist, Apparel & Fashion, Small-Business (50 or fewer emp.) **Reviewed Date:** January 22, 2025 **What do you like best about Netspend Skylight PayOptions?** offers flexible payment options, including direct deposit, mobile check deposit, and funds transfer between Skylight accounts. It allows access to money via Skylight PayOptions cards, ATMs, and online account management. **What do you dislike about Netspend Skylight PayOptions?** Fees may apply for certain transactions, and I find customer service lacking. It’s convenient for payroll and cash management but may not suit those looking for low-cost banking alternatives. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** Account management with payroll is easy to implicate. ### 9. convenient and secure **Rating:** 5.0/5.0 stars **Reviewed by:** Lakshmi Praveena V. | Executive, Mid-Market (51-1000 emp.) **Reviewed Date:** January 22, 2025 **What do you like best about Netspend Skylight PayOptions?** It is a convenient and secure way to manage finances. It offers easy access to funds, and the card is simple to load and use for everyday purchases. **What do you dislike about Netspend Skylight PayOptions?** it's PayOptions can have high fees for certain transactions, such as withdrawals and reloading. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It provides a convenient prepaid card that can be easily loaded and used for purchases, bill payments, and withdrawals. ### 10. My experience using NetSpend **Rating:** 4.5/5.0 stars **Reviewed by:** Dylan N J. | Logistic Associate, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2025 **What do you like best about Netspend Skylight PayOptions?** NetSpend give me an easy pay option than beats traditional banking services. **What do you dislike about Netspend Skylight PayOptions?** I dislike their customer service and overseas transactions fees. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** As a small business owner NetSpend gives me the ability to make easy transactions, wireless deposits and no minimum balance. ### 11. It’s always shaky messing with netspend **Rating:** 2.0/5.0 stars **Reviewed by:** sire s. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** It's easy but it's sufficient. I recieve my pay directly to my card **What do you dislike about Netspend Skylight PayOptions?** The money they charge for every thing. I dollar here or a dollar there. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It's easy to get my paycheck and it come on time all the time! ### 12. It’s okay **Rating:** 3.5/5.0 stars **Reviewed by:** Samantha R. | Cashier, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about Netspend Skylight PayOptions?** Easy way to get direct deposit but not good if you want cash **What do you dislike about Netspend Skylight PayOptions?** ATM options. Too many fees to get cash out **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** None that I know of ### 13. It is a good card company for those who cannot get a debit card **Rating:** 5.0/5.0 stars **Reviewed by:** Chastity A. | Coordinatior, Small-Business (50 or fewer emp.) **Reviewed Date:** December 16, 2024 **What do you like best about Netspend Skylight PayOptions?** The card is easy to use and as well add money on it **What do you dislike about Netspend Skylight PayOptions?** Soemtimes i cannot find a atm and it is hard to do a withdrawal **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It heplps me with budgetingand saving funds for the future ### 14. Netspend Skylight PayOptions - Prepaid card for Direct Deposit **Rating:** 4.0/5.0 stars **Reviewed by:** Andrea F. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** December 01, 2022 **What do you like best about Netspend Skylight PayOptions?** I like that we are able to assist our employees who do not have a banking option with the prepaid card option that NetSpend offers. Once the employee is set up with the prepaid card, payroll is processed like any other direct deposit. **What do you dislike about Netspend Skylight PayOptions?** The setup process is a little clicky. I don't particularly appreciate that we do not get to keep their car record on file for their 1st 90 days. This had proven to be helpful with another company we used when the employee lost the temporary card and we could supply them with their information to stop the direct deposit & have it applied to a replacement card that would be mailed to them from the company. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** They have been super helpful when a data entry error has occurred. They have excellent and friendly customer support that helps work through these kinds of errors. ### 15. Ease of pay **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Staffing and Recruiting | Enterprise (> 1000 emp.) **Reviewed Date:** January 24, 2023 **What do you like best about Netspend Skylight PayOptions?** A simple setup for candidates makes it easy for them to get paid on time and without extra hassle. As well, it is fairly easy to get their account setup and running. **What do you dislike about Netspend Skylight PayOptions?** As of yet, I have not seen any downsides as it allows for same-day funding and is very user-friendly and easy to navigate. It makes it easy for candidates to get paid on time and with ease. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It s solving the issue of getting candidates paid with no bank account set up or who find it easier than getting a physical pay check every week. It also allows for fast funding in case of any payroll erros. ### 16. netspend **Rating:** 5.0/5.0 stars **Reviewed by:** STACY M. | CSR, Small-Business (50 or fewer emp.) **Reviewed Date:** February 16, 2023 **What do you like best about Netspend Skylight PayOptions?** very easy to use. no need for assistance. **What do you dislike about Netspend Skylight PayOptions?** there is a downside to prepaid cards. as well as some companies don't recongize them as valid. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** helpful getting money 2 days early so that helps tremendously. ### 17. Very convenient way to help our employees get paid if they do not have a direct deposit account **Rating:** 4.0/5.0 stars **Reviewed by:** Kaitlynn C. | recruiter, Enterprise (> 1000 emp.) **Reviewed Date:** November 29, 2022 **What do you like best about Netspend Skylight PayOptions?** The conveience factor. I can just hand a netspend card over to an employee and they can set everything up themselves and still get paid. **What do you dislike about Netspend Skylight PayOptions?** As a company that just uses it, we are not able to access employee accounts, so we are unable to help if there is a issue with the netspend account **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It helps solve the problem if an employee does not have a direct deposit account ### 18. Using Netspend Skylight has solved payroll issues. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Staffing and Recruiting | Small-Business (50 or fewer emp.) **Reviewed Date:** January 24, 2023 **What do you like best about Netspend Skylight PayOptions?** Using Netspend has helped tremendously in minimizing live checks processed in our office. **What do you dislike about Netspend Skylight PayOptions?** It can be difficult to help employees with any issues they run into, but we can always direct them to Netspend customer service. **What problems is Netspend Skylight PayOptions solving and how is that benefiting you?** It has greatly minimized live checks in our office. Even when employees have to cancel a bank account, we can quickly get them enrolled in direct deposit again by using Netspend. - [View Netspend Skylight PayOptions pricing details and edition comparison](https://www.g2.com/products/netspend-skylight-payoptions/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-16+11%3A11%3A38+-0500&secure%5Bsession_id%5D=2011ea7e-021b-4eaa-8d11-67239f62b8ba&secure%5Btoken%5D=1fa74eade9f8bd484727c0462f1651a00771e4a7c6fd45a2b5a176d1511f227b&format=llm_user) ## Netspend Skylight PayOptions Features **Platform Content** - Education Tools - Mobile Tools - Content Library **Platform Basics** - Program Management - Secure - Interoperability - Performance **Platform Additional Functionality** - Services - Employee Portal - Gamification - Education **Platform Data** - Dashboard & Reporting - Visualization - Platform Search - Alerts and Notifications ## Top Netspend Skylight PayOptions Alternatives - [SmartDollar](https://www.g2.com/products/smartdollar/reviews) - 4.8/5.0 (599 reviews) - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) - 4.3/5.0 (545 reviews) - [ZayZoon](https://www.g2.com/products/zayzoon/reviews) - 4.6/5.0 (200 reviews)