Last updated on Jul 28, 2026
Payactiv offers 1 pricing edition, starting at $0. Payactiv pricing tiers are designed to support different usage levels and team sizes. Compare the Payactiv pricing table below to figure out the best fit for your needs. Some plans may require you to contact Payactiv for custom pricing.
*Pricing information is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations must be conducted with the seller.
Yes. According to G2 data, Payactiv offers a free plan with limited features. Users can upgrade to paid plans for additional capabilities. Visit the seller's official pricing page to compare plan options and features.
Payactiv's pricing is best suited for employers across mid-market and enterprise segments seeking a no-cost financial wellness benefit. G2 reviewers span industries including hospital and health care, retail, restaurants, telecommunications, and logistics, with mid-market firms of 51 to 1,000 employees representing the most active reviewer segment. Healthcare and retail employers repeatedly cite retention, recruitment, and reduced paycheck advance requests as primary drivers. For employees, Payactiv suits hourly and biweekly-paid workers living paycheck to paycheck who need occasional early wage access at low cost. Small businesses also appear in G2 reviews, particularly in restaurants and healthcare, valuing the seamless payroll integration and minimal administrative overhead.
Payactiv's pricing on G2 lists a single employer-facing tier at no cost to the business, covering earned wage access, financial wellness tools, bill pay, payroll integration, and a Payactiv debit card. There is no separate paid employer tier listed. For employees, G2 reviewers indicate that accessing earned wages via instant transfer incurs per-transaction fees of approximately $1.99 to $3.49, and some users report a monthly program fee up to $5 if direct deposit to the Payactiv card is not active. Free access to earned wages is available through standard transfer windows, making the fee structure usage-dependent rather than subscription-based for employees.
Payactiv is widely regarded as strong value, particularly given its employer-facing tier is free. G2 reviewers note the per-transaction fees of roughly $1.99 to $3.49 for instant transfers are the most common complaint, with some users reporting these accumulate meaningfully over time. One G2 reviewer noted being in more debt due to fees, while another flagged a monthly program fee up to $5 without direct deposit. However, the overwhelming majority of G2 reviews rate Payactiv 5.0/5, citing avoided overdraft fees, payday loan alternatives, and on-time bill payments as tangible savings that outweigh transaction costs. Employers consistently report retention and recruitment gains at zero direct cost.
I really like that Payactiv is always there when I need extra help, especially when I'm short on funds. It does not cost much to borrow, making it a very affordable option. I also found the initial setup to be very easy, which was a huge plus for me. Review collected by and hosted on G2.com.
Nothing Review collected by and hosted on G2.com.
I like how Payactiv has helped me build a strong relationship with my father by allowing me to pay for things he can't afford. I appreciate being able to access extra cash in times of need and the ability to track it. I like that it has a spending limit, which prevents overspending. Personally, I love the way Payactiv is designed, as it's easy to use. The initial setup was easy and simple, and I would rate my likelihood of recommending it to others as a 10 every time. Review collected by and hosted on G2.com.
Sometimes the app glitches out and closes by mistake. Review collected by and hosted on G2.com.
