# Payactiv Reviews **Vendor:** Payactiv **Category:** [Financial Wellness Software](https://www.g2.com/categories/financial-wellness) **Average Rating:** 4.5/5.0 **Total Reviews:** 83 ## About Payactiv Payactiv makes access work—for people, for business, for growth. As the creator of Earned Wage Access, we work within payroll to provide responsible access to earned wages, proving that when people move forward, companies do too. Retention improves, staffing becomes more reliable, engagement rises, and teams contribute with greater consistency and commitment. In 2012, Payactiv introduced a simple but transformative idea: No one should wait to use what they’ve already earned. Employees should be able to access their earned wages—responsibly and securely—without interest, or disruption to payroll. This model bridges the gap between hours worked and pay received, helping employees avoid late fees, overdrafts, and payday loans that erode financial stability. But Payactiv goes beyond EWA. The platform is designed as a comprehensive financial growth infrastructure, offering a suite of tools that help employees manage, save, and plan for their future. For employers, it delivers measurable outcomes through real-time data, adoption insights, and ROI reporting, all within a compliant, payroll-aligned framework. More than 40,000 employers and 5 million employees across healthcare, retail, manufacturing, logistics, and hospitality trust Payactiv to drive measurable business and human outcomes. Core capabilities include: ✔︎ Earned Wage Access: Employees can access wages they’ve already earned—on demand, with no payday loans or credit checks. ✔︎ Financial growth tools: Built-in savings, bill pay, budgeting, built-in deals & offers, and goal-tracking features to build long-term financial health. ✔︎ Financial education and counseling: In-app learning resources and access to 1:1 financial counseling to support informed decisions and long-term financial confidence. ✔︎ Pay solutions: Payroll cards, digital tip and mileage disbursement, and off-cycle pay options that ensure every form of earned value is available when needed. ✔︎ Employer insights: Dashboards and reporting that measure engagement, retention, and ROI over time. ✔︎ Responsible design and compliance: SOC 2, PCI, and ISO certified, compliant in all 50 states, and built in partnership with regulators. ✔︎ Employee and employer support: Dedicated onboarding, optimization, and 24/7 customer care to ensure lasting adoption and success. Because when people have the means to move ahead, they bring their best to work—and workplaces built on that momentum grow stronger from the inside out, gaining the stability, loyalty, and performance that make growth mutual. ## Payactiv Pros & Cons **What users like:** - Users find **early payment access** invaluable for emergencies, enhancing financial security and aiding family support. (16 reviews) - Users commend the **effortless setup** of Payactiv, enhancing their overall experience and making financial management simple. (12 reviews) - Users commend Payactiv for its **ease of use** , highlighting fast access to earnings and simple money transfers. (9 reviews) - Users celebrate the **smooth payroll management** of Payactiv, enhancing employee morale and productivity with easy access to earned wages. (8 reviews) - Users value the **easy access** of Payactiv, enjoying quick cash availability during emergencies and convenient transfers. (6 reviews) - Helpful (5 reviews) - Users appreciate the **early access to earned wages** with Payactiv, enhancing morale and productivity within the workforce. (4 reviews) - Efficiency (4 reviews) - Users value the **early access to earned wages** , enhancing morale and reducing financial stress among employees. (4 reviews) - Financial Assistance (4 reviews) **What users dislike:** - Users express concerns about the **high fees** of Payactiv, which add up and contribute to debt burdens. (5 reviews) - Users face significant **payroll issues** with Payactiv, including high fees and accessibility challenges for cashing out. (4 reviews) - Users experience frequent **login issues** with Payactiv, complicating cash outs and contributing to financial frustration. (2 reviews) - Users experience **poor customer support** , struggling to receive timely help and facing unprofessional service during issues. (2 reviews) - Users report **slow performance** of Payactiv, especially during peak hours, which complicates cashing out effectively. (2 reviews) - Users face **access limitations** , restricting wage withdrawals to only ~50% depending on employer policy. (1 reviews) - Account Setup (1 reviews) - Deduction Issues (1 reviews) - Limited Customization (1 reviews) - Limited Options (1 reviews) ## Payactiv Reviews ### 1. Payactiv Transformed Our Workforce with Early Wage Access and Seamless Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Concepsion C. | Quality Assurance Specialist Sales, Enterprise (> 1000 emp.) **Reviewed Date:** November 23, 2025 **What do you like best about Payactiv?** Payactiv has been a game-changer for our company. The ability for employees to access their earned wages early has significantly improved morale, reduced financial stress, and increased overall productivity. The platform is easy to use, secure, and integrates smoothly with our payroll system. Perks we’ve noticed: • Reduced employee turnover • Higher attendance and reliability • Better recruiting interest • Stronger employee satisfaction • Fewer HR/payroll questions since staff can access funds directly Overall, Payactiv has become an essential benefit for our workforce, and we’ve seen a clear improvement in engagement and performance since adopting it. **What do you dislike about Payactiv?** 1. Fees for Some Transactions • There can be a fee (e.g., ~$3) for instant cash transfers, depending on how you move money.  • If you don’t have the Payactiv prepaid card with direct deposit, there may be a monthly program fee (some report up to $5).  2. Access Limitations • You may only be able to access up to ~50% of your earned wages before payday, depending on your employer’s policy.  • This means it may not cover very large emergencies if you need more than that. 3. Customer Service / Support Issues • Some users say it’s really hard to get help when something goes wrong.  • According to BBB complaints, problems like account deactivation or access issues can drag on.  • Verification (for example, uploading paystubs) can be cumbersome; one person said the app required a pay stub photo, instead of easier verification methods. **What problems is Payactiv solving and how is that benefiting you?** 1. Cash Flow Gaps Between Paychecks • One of the biggest issues many workers face is not having enough cash between paydays. Payactiv gives you access to wages you’ve already earned, so you don’t have to wait until the official payday.  • This can prevent the need to take out payday loans, which are typically very expensive.  2. Avoiding High-Cost Debt & Fees • Without early access to pay, you might rely on overdrafts, payday loans, or other high-interest credit just to cover short-term expenses. Payactiv helps you avoid or reduce these costs.  • According to Payactiv, its on-demand pay options (some of them) are very low cost or even free, which makes it a less risky liquidity option than predatory lending.  • In fact, they claim people save on average $200 a month in fees (like overdraft or late fees) by using the Earned Wage Access instead of more expensive options.  3. Financial Stress Reduction • Financial worry is a huge distraction. By giving you control and flexibility, Payactiv helps reduce day-to-day financial stress.  • This reduced stress can lead to improved mental health, better decision-making, and more peace of mind.  4. Better Financial Planning & Stability • Because you can access money when you need it, you’re less likely to delay paying bills, which means fewer late-fee penalties.  • Payactiv also offers tools for saving, budgeting, and financial education or counseling to help you build longer-term financial wellness.  • Using earned wage access responsibly gives you a way to “smooth out” your cash flow, so you’re not always in crisis mode when unexpected expenses come up. 5. Accessible for Many Types of Workers • Payactiv supports many different employment situations: it works for hourly, salaried, part-time, and full-time employees.  • Because it integrates with payroll systems, it’s relatively seamless to use, and doesn’t require you to open a specific bank account.  6. Employer-Sponsored Benefit • Since your employer offers Payactiv, it’s not just a third-party lending service — it’s a benefit your company provides. That means there’s generally no risk to you of being “judged” for using it — it’s part of your compensation package. ### 2. Convenient Early Access to Funds But High Fees **Rating:** 5.0/5.0 stars **Reviewed by:** Aujahna V. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I like having early access to my funds in between paydays with Payactiv. The clarity on fees when transferring is helpful as it lets me know the exact or expected amount coming out of my paycheck. The Payactiv card is a pretty color, and I appreciate how I can reload it and load funds easily. I dedicate two kinds of bills to my Payactiv account. The 'Pay your bills' feature, the ability to reload the card, and set automatic transfers are features I value. The initial setup was easy, and I find the customer service to be good. **What do you dislike about Payactiv?** I don't like the fees being $2-3.49; I think it would be better if they were $0.50. Also, it would be nice if we could decorate the card. I find it inconvenient to need an account number for bill payments, and I would prefer being able to log in through Plaid to pay the bill. **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv for early access to my funds between paydays and get clarity on transfer fees so I know the expected amount coming out of my paycheck. ### 3. A Lifesaver for Personal Financial Management **Rating:** 5.0/5.0 stars **Reviewed by:** erick s. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** 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. **What do you dislike about Payactiv?** Sometimes the app glitches out and closes by mistake. **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv to buy groceries and gas, helping me care for my father with dementia. It keeps him alive by providing essentials and has built our relationship. I also access extra cash when needed, track spending, and avoid overspending with set limits. ### 4. Outstanding Partnership with UKG Wallet: Professional, Agile, and Smooth Rollout **Rating:** 5.0/5.0 stars **Reviewed by:** Pam M. | Director, HR Ops & Payroll, Enterprise (> 1000 emp.) **Reviewed Date:** February 09, 2026 **What do you like best about Payactiv?** At America’s Car Mart, we strive to live our values every day. It is important to us to partner with organizations that reflect our commitment to respect, compassion, integrity, and excellence. Our experience with UKG Wallet has been an outstanding example of a partnership aligned with these values. The UKG Wallet team demonstrated exceptional professionalism, expertise, agility, and respect in every interaction. Their implementation team was collaborative, responsive, and easy to work with, making the rollout smooth and efficient. **What do you dislike about Payactiv?** There is nothing to dislike about this product. **What problems is Payactiv solving and how is that benefiting you?** The impact on our Associates has been overwhelmingly positive. Providing access to earned wages before payday, along with valuable financial literacy resources, has been a true game changer. This partnership has supported our mission of improving the financial well being of our Associates and empowering them with greater control and stability. ### 5. Essential Financial Lifeline with Customizable Flexibility **Rating:** 5.0/5.0 stars **Reviewed by:** Victoria A. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I really like that Payactiv is available whenever I need it, especially in emergencies. The feature that allows transfers to other cards is also something I find quite useful, particularly when I have bills due on certain days before I get paid. Moreover, the initial setup of Payactiv was very easy, which was a nice plus. **What do you dislike about Payactiv?** I don't like that on Sunday when my pay period is ending, I've never gotten my Saturday pay on Sunday when the pay period has started. **What problems is Payactiv solving and how is that benefiting you?** Payactiv helps me pay bills when I'm short on money. It's available for emergencies and allows transfers to other cards, which is useful when bills are due before payday. ### 6. Effortless Early Paychecks, Top Recommendation **Rating:** 5.0/5.0 stars **Reviewed by:** Raylithia H. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I use Payactiv to get my paycheck two days early and it solves the problem of having to wait on funds. I like being able to receive money while waiting for my paycheck, which I use very often. The setup was very easy, just a small short form to fill out, and that was so good to me. **What do you dislike about Payactiv?** There is nothing that I dislike about payactive at all **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv to get my paycheck two days early and access funds while waiting for my paycheck, which solves waiting on funds. It's great for depositing taxes and having money on the go. ### 7. Instant Payroll Access, Effortlessly Simple **Rating:** 5.0/5.0 stars **Reviewed by:** Paola . **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I use Payactiv to get my paycheck right after I finish working, which is awesome for handling immediate expenses like groceries and gas. I like that it's simple to use, and there isn't much trouble switching accounts to put funds in a different account. The initial setup was pretty easy without needing help from my job since I just downloaded the app and linked it through ADP. **What do you dislike about Payactiv?** Nothing negative thus far so **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv to access my paycheck immediately after work for immediate expenses like groceries or gas. It's simple to use and allows switching accounts easily. ### 8. Dependable Financial Relief When You Need It **Rating:** 5.0/5.0 stars **Reviewed by:** Latoya M. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I like that I can rely on the funds from Payactiv and use it if I really need help with cash, such as when I'm short on my bills or need gas to get to work. Setting it up was pretty easy too, as I just downloaded the app, linked my card, and set up an account. **What do you dislike about Payactiv?** I never had a problem with Payactiv but I wish my job would’ve continued using the company. **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv when I'm short on cash, especially for gas or bills. It's reliable for accessing accumulated funds when needed. ### 9. Effortless Wage Access with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Ann W. **Reviewed Date:** February 13, 2026 **What do you like best about Payactiv?** We really like that Payactiv provides a smooth platform for our employees to borrow funds before payday. Their app is easy to use and it automatically updates UKG, which is simple for both employer and employee use. Their customer service is very good at helping our employees when needed. The initial setup was very easy. **What do you dislike about Payactiv?** None **What problems is Payactiv solving and how is that benefiting you?** We use Payactiv for earned wage access, allowing employees to borrow funds before payday. Their app is easy to use, updates UKG automatically, and simplifies processes for both employer and employee. ### 10. Effortless Access to Emergency Funds **Rating:** 5.0/5.0 stars **Reviewed by:** Abigail G. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I like that Payactiv is easy to use on the app and it's no hassle. It's just right there at your fingertips. I also appreciate being able to access my pay the same day. The initial setup was very easy and didn't take long, less than five minutes, and everything was set up. **What do you dislike about Payactiv?** I like everything **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv for emergencies and everyday funds. It helps with unexpected situations by providing easy same-day access to my pay. The app is hassle-free and easy to use, just right at my fingertips. ### 11. Essential Tool for Financial Flexibility **Rating:** 5.0/5.0 stars **Reviewed by:** Chanel W. | Training And Quality Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I really like Payactiv for its ease of use and the referral bonus. Transferring money is easy and simple for me, which is a huge plus. I've also made almost $200 from referrals alone, which adds great value to using the service. Additionally, the initial setup was straightforward. **What do you dislike about Payactiv?** Nothing it's great **What problems is Payactiv solving and how is that benefiting you?** Payactiv helps me manage financially between paychecks by allowing me to handle expenses like gas. It's easy to use, and I benefit from the referral bonus, having earned almost $200. Transferring is simple and straightforward. ### 12. Fast, Convenient Same-Day Earnings Access with Payactiv **Rating:** 4.5/5.0 stars **Reviewed by:** Michelle L. | Med Tech, Mid-Market (51-1000 emp.) **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I love it. I work and can access my some my earnings that same day. Its fast and convenient.Thank you Payactiv **What do you dislike about Payactiv?** It can sometimes run slow in the afternoon. **What problems is Payactiv solving and how is that benefiting you?** Its helps with accessing my part of my paycheck when I can wait 2 weeks. ### 13. High Fees Detract from Initial Benefits **Rating:** 1.5/5.0 stars **Reviewed by:** Lindsay C. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** With Payactiv's cash advance, I was able to pay some bills in advance. **What do you dislike about Payactiv?** I'm more in debt because of using Payactiv. The fees are too high and they all add up tremendously when it's taken from my check. Cashing out is not always easy because it logs out. **What problems is Payactiv solving and how is that benefiting you?** I used Payactiv to pay some bills on time with cash advances, but now I'm in more debt because fees are high and I have less of my paycheck. ### 14. Convenient for Emergency Fund Access **Rating:** 5.0/5.0 stars **Reviewed by:** Kathy S. **Reviewed Date:** February 05, 2026 **What do you like best about Payactiv?** I find Payactiv very convenient, especially when I need extra money for groceries or gas for my job. It's helpful that I can access money I've already earned quickly for emergencies. **What do you dislike about Payactiv?** I have to remember not to pull out money after my pay period, and I even set reminders on my calendar for it. **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv for emergency money needs like groceries or gas. It's convenient because it lets me access money I've already earned. ### 15. Very Helpful for Extra Cash in Emergencies or Bill Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Wilfrido R. | Asset Protection Detective, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** is very helpfull when you need an extra cash for any persoal ermengecy or bill payment **What do you dislike about Payactiv?** i dont believe this is a negative inquire about it **What problems is Payactiv solving and how is that benefiting you?** early bill payments or groceries or medical situatuion ### 16. Essential Financial Lifeline, Quickly Accessible **Rating:** 5.0/5.0 stars **Reviewed by:** Chloe M. **Reviewed Date:** February 04, 2026 **What do you like best about Payactiv?** 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. **What do you dislike about Payactiv?** Nothing **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv for extra help when I’m short on funds, solving a lot of my financial problems. ### 17. Convenient Paycheck Advances When You Need Them Most **Rating:** 5.0/5.0 stars **Reviewed by:** shenelle b. | security officer, Small-Business (50 or fewer emp.) **Reviewed Date:** November 20, 2025 **What do you like best about Payactiv?** I love that I get to borrow money out my pay check when I am low on cash. You can save on Auto insurance, manage expenses, Earn and Save. **What do you dislike about Payactiv?** The least thing is I have to borrow cash a limited amount of cash at a time **What problems is Payactiv solving and how is that benefiting you?** Helping me when I am short on cash. Its convenient. ### 18. Always There When Needed, but Pricey **Rating:** 5.0/5.0 stars **Reviewed by:** Pamela B. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I like that Payactiv is always there when I need it the most, especially for unexpected expenses. The initial setup was effortless, which made things really easy for me. **What do you dislike about Payactiv?** I think the charges are kind of high **What problems is Payactiv solving and how is that benefiting you?** Payactiv helps me manage unexpected expenses for bills and gifts. They're always there when I need them the most. ### 19. Get Paid Early with EWA—A Big Win for Cash Flow **Rating:** 4.0/5.0 stars **Reviewed by:** Jaren B. | Payroll, Enterprise (> 1000 emp.) **Reviewed Date:** March 04, 2026 **What do you like best about Payactiv?** Ability to get pay early on payday but also the ability to get money early through EWA. **What do you dislike about Payactiv?** It isn't easy to transfer funds from the card to your bank account. **What problems is Payactiv solving and how is that benefiting you?** Quick and easy access to pay. ### 20. Fast, Convenient, but Fee Could Be Lower **Rating:** 5.0/5.0 stars **Reviewed by:** Katia A. **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** I like that Payactiv is fast and convenient, helping me get money quickly whenever I need it. The initial setup was very easy too. **What do you dislike about Payactiv?** The fee of $3 **What problems is Payactiv solving and how is that benefiting you?** I use Payactiv to get money quickly whenever I'm behind. It's fast and convenient, solving my need for instant access to funds. ### 21. A Lifeline for Employees in Tough Financial Moments **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Gambling & Casinos | Enterprise (> 1000 emp.) **Reviewed Date:** February 27, 2026 **What do you like best about Payactiv?** It helps keep our employees from being taken advantage of from pay day loans and gives them a way to get themselves out of a sticky financial situation **What do you dislike about Payactiv?** I don't love the fees, but I know that is part of the business. **What problems is Payactiv solving and how is that benefiting you?** It helps employees who struggle in between paychecks. ### 22. Helpful Cash Advances When Bills Hit Early—Easy to Navigate **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Medical Practice | Enterprise (> 1000 emp.) **Reviewed Date:** February 03, 2026 **What do you like best about Payactiv?** It’s so helpful to be able to get an advance when needed, especially when bills fall on dates before getting paid! **What do you dislike about Payactiv?** I haven’t found anything I don’t like it’s been an easy to navigate and use **What problems is Payactiv solving and how is that benefiting you?** It’s been going well don’t have any complaints ### 23. Payactiv for employee pay cards. **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Human Resources | Mid-Market (51-1000 emp.) **Reviewed Date:** September 30, 2025 **What do you like best about Payactiv?** I appreciate that I have the ability to assign pay cards to employees on my own. **What do you dislike about Payactiv?** After hiring someone, you have to wait 24 hours for the new hire information to load, which means you can't assign a paycard while still in the office. **What problems is Payactiv solving and how is that benefiting you?** We can provide employees with the option of direct deposit as they complete their full-time paperwork. ### 24. For emergencies only **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Banking | Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2025 **What do you like best about Payactiv?** Quick access to wages, accepted by most carriers, ability to pay bills **What do you dislike about Payactiv?** Literally, almost everything else: - extremely unprofessional - little to no interdepartmental communication - lack of continuity between the website or app or back of card - huge language barriers - poor user interface - ineptitude of employees - unreliable email communication - poor training - noncompliance with policies and regulations - predatory and targeted advertising - questionable access to private information - culture of fear of evaluations, reviews or surveys - culture of fear of escalations - poor investigations and research before denial of claims **What problems is Payactiv solving and how is that benefiting you?** None. I have no problems. I accessed this money for convenience ### 25. Not recommended. **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Manufacturing | Mid-Market (51-1000 emp.) **Reviewed Date:** August 29, 2024 **What do you like best about Payactiv?** PayActiv has been a horrible experience for every employee that tried it. Every employee was overcharged and despite weeks of calls and emails, the money has still not been refunded to them. **What do you dislike about Payactiv?** Next to impossible to get assistance. Employees have reported rude and uncaring attitude from PayActive employees. These issues occured in July and it is almost September. Everyone says the money will be refunded to them "tomorrow." It's been two weeks of tomorrows and no one has their money back. **What problems is Payactiv solving and how is that benefiting you?** PayActiv has created numerous problems where there were none before. ### 26. Great to have your pay when you need it and not have to wait. **Rating:** 4.5/5.0 stars **Reviewed by:** mari W. | kfc/taco bell, Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** Pay when needed. You can get a potion of your pay inminutes. **What do you dislike about Payactiv?** The fees. You get charged for putting your pay on your pay card. **Recommendations to others considering Payactiv:** Pay when needed but fees you need to pay can get spendy. **What problems is Payactiv solving and how is that benefiting you?** Pay when needed to pay your bills with. ### 27. One of my best business decisions **Rating:** 5.0/5.0 stars **Reviewed by:** Mike M. | Owner, Mid-Market (51-1000 emp.) **Reviewed Date:** December 17, 2019 **What do you like best about Payactiv?** We've been using PayActiv for over 3 years now without a single problem. It is absolutely seamless for us, in that it does not cost us time or money. About 20% to 25% of our workforce will use them in any given pay period. I haven't had a single employee ask for an advance on their paycheck since we started using PayActiv. I have recommended them to my fellow franchisees and other business owners that know. **What do you dislike about Payactiv?** Nothing to dislike, at least not for me. Once we got them set-up with our payroll company everything has worked beautifully. **Recommendations to others considering Payactiv:** This should be a no brainer decision. It helps your employees and does not cost the company anything **What problems is Payactiv solving and how is that benefiting you?** Employees don't have to come to me asking for an advance - I know that is something they don't want to do and seem almost ashamed when they do it. If you advance pay for one person then you better be prepared to advance pay for everyone and that is not feasible. PayActiv eliminates that problem. ### 28. Our experience has not been good. **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** June 24, 2022 **What do you like best about Payactiv?** The service they offer is important in this day and age. **What do you dislike about Payactiv?** The service is not working. There have been all kinds of issues once our ee's are given their cards. Very few have actually been able to get their money early. **Recommendations to others considering Payactiv:** Just be prepared for issues if you are trying to integrate it into your payroll system. We use Paycor and it's not working even though they have an integration. **What problems is Payactiv solving and how is that benefiting you?** If it worked, it would allow our staff to get their wages early, which is important for our entry level workforce. ### 29. Outstanding benefit for employees **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** the anonymity for employees is very helpful they are more likely to use the service because they can do it with minimal people knowing and keep their dignity **What do you dislike about Payactiv?** many payperiods we have to reach out to Payactiv to have them upload our hours so that emplyees can access money very frustrating to the employee as well as us because we are a small operation **Recommendations to others considering Payactiv:** I think the it is a valuable asset to the benefits offered to employees. Our usage has grown over the 2 years we have offered it and I think they are using it for more than the money, I think they are using the other tools as well **What problems is Payactiv solving and how is that benefiting you?** We now have no advances being done in house which was an accounts payable nightmare. the true benefit is the only people that know an employee used payactiv is the employee and the payroll coordinator ### 30. Payactiv a good as a virtual visa **Rating:** 5.0/5.0 stars **Reviewed by:** Ricardo Lee M. | Affiliate Marketing Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** November 11, 2021 **What do you like best about Payactiv?** I got a 15$ bonus to sign up and they called to offer 10 more upon card activation. A free 25$! Also great for other employees to get items for the office. **What do you dislike about Payactiv?** The virtual card Can't be used on google pay, cashapp or PayPal. **What problems is Payactiv solving and how is that benefiting you?** I'm able to order supplies from Amazon and ebay for the office and school using the virtual and physical card. They give 10 for every 100$ deposited and who can argue with free money? ### 31. Convenient and Easy to Use **Rating:** 5.0/5.0 stars **Reviewed by:** Elizabeth S. | Human Resources Supervisor, Payroll Administrator, Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** It is convenient and easy for our employees to use, giving them access to their future wages instantly! **What do you dislike about Payactiv?** As a user, I can't honestly say there have been many issues with Pay Activ. The mobile app is user friendly and was easy to download and set up. It is convienent and easy to use and gives me instant access to my wages with the click of a button. The fees are reasonable and it has saved me time and money with its accessiblity and ease of use. As an Administrator, the initial process of setting up and implementing Pay Activ took some work. We ran into some issues with the reports that needed to run for Pay Activ for our employees hours and earnings. But the representative worked with me to fix the issues and it has turned out to be an amazing feature for our employees allowing them access to their wages and saving them money from other high interest options they may have sought out before Pay Active. **What problems is Payactiv solving and how is that benefiting you?** Times have been tough for everyone through the pandemic. It has put our employees in tough situations and found some living pay check to pay check. Pay Activ has allowed our employees to pay their bills on time, grab food from the grocery store, with never having the feeling of how am I going to make it through to the next week by giving them instant acess to their wages with minimal fees instead to the high interest rates charged at other places. ### 32. Easy to use & VERY helpful **Rating:** 5.0/5.0 stars **Reviewed by:** Jeannette S. | Sales Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** Very easy to use and helpful when your in a tight spot !! **What do you dislike about Payactiv?** Kinda slow picking up the hours like it should **Recommendations to others considering Payactiv:** Easy to use **What problems is Payactiv solving and how is that benefiting you?** Helpful when you need money and your in a tight spot ! ### 33. Great Company to work with **Rating:** 5.0/5.0 stars **Reviewed by:** Kathy B. | Payroll Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** February 11, 2021 **What do you like best about Payactiv?** PayActiv is very easy to use and the employees are always so helpful. The employees are always willing to help and go above and beyond. The amount they charge to access funds is more than reasonable and a lot of employees benefit from their service. It is a great company and I love working along side of them. **What do you dislike about Payactiv?** I cannot say I dislike anything about PayActiv honestly, I never have any issues or problems with them. **What problems is Payactiv solving and how is that benefiting you?** PayActiv has helped so much with our new employees who are having to wait 3-4 weeks for their first check. They are able to access funds prior to their first check which helps them out. It also helps existing employees with emergencies that arise. There are so many benefits for the employees and also for us. We would lose potential employees due to them having to wait so long for their first check but with PayActiv we are able to have them access funds as soon as their first week working with us. It is a great company to have on our team. ### 34. Our Experience With PayActiv **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Outsourcing/Offshoring | Mid-Market (51-1000 emp.) **Reviewed Date:** January 20, 2021 **What do you like best about Payactiv?** Shariq has been splendid through our company's journey with PayActiv. He is very responsive and attentive whenever we have issues. When he gave us the training, he was very thorough and detailed on how the process works. He also shared with us the marketing material and where to find everything on the hub. Even after this, whenever we needed assistance with training material and the like, we would reach out to him, and he would point us in the right direction on where to get it. The part about employees being able to get their pay in advance is amazing, as well as, all the features the app and platform offer. I specially like the financial assistance where you teach users how to better use their money. Also, the gas promotion was awesome! **What do you dislike about Payactiv?** During our implementation, our representative at the time Ed Meehan, was slow responding to our inquiries and issues. Sometimes, it would take days for him to get back to us, or he would only get back to one of our team members. We held various meetings with him about the status of the process and in the end, the implementation was delayed by a week because they did not have all the employees in the system yet. Also, as of late, I’ve received emails, out of nowhere, from members of the PayActiv stating they’re in charge of the account and that they’d like to hold a meeting. For me, building a relationship with the company and knowing there’s a go-to person that will quickly and effectively assist me is vital. Having the people in charge of the account be swapped or attempt to be swapped without prior notice to the client is confusing. However, in each case, I expressed my desire to stay with the same people and they accommodated this. **Recommendations to others considering Payactiv:** Choose Shariq for your representative and reach out whenever you have an issue, they are very understanding. Recently, we had some employees have issues enrolling and others with their recent deductions. I sent Shariq their names, he quickly responded to my email and was able to send my inquiries to the right person. In a matter of hours the issue was resolved. **What problems is Payactiv solving and how is that benefiting you?** Most of our employees use the pay in advance feature to pay their bills in time since some of them live paycheck by paycheck and need to get their funds ahead of payday. We have heard great things from them about the PayActiv service, and they are happy that, we, as a company offer this benefit to them. Also, the gas promotion PayActiv shared with all its users was well received. Our team is glad that we offer this benefit and that they can use their money when they most need it, especially in the times we are currently living. ### 35. INCREDIBLE benefit for my employees or anyone, really! **Rating:** 5.0/5.0 stars **Reviewed by:** Wendy L. | Payroll Specialist, Enterprise (> 1000 emp.) **Reviewed Date:** February 25, 2021 **What do you like best about Payactiv?** I love how easy and private it is - I don't have to do anything but tell my employees about it. **What do you dislike about Payactiv?** So far, there is nothing that I have found to dislike. We have used it for almost 2 years. **Recommendations to others considering Payactiv:** This is an invaluable tool for your employees and yourself! There is no cost, no time involved, no maintenance to you, and no administrative duties at all. I HIGHLY recommend this program and have added it to my onboarding process. **What problems is Payactiv solving and how is that benefiting you?** The amount of garnishments from the payday loan places has diminished considerably. I like that there is financial counseling available as well, so maybe people can get off the merry-go-round. ### 36. Great Product **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** December 30, 2019 **What do you like best about Payactiv?** I enjoyed the quick and easy setup to get my employees started with PayActiv, the software is user-friendly and my employees have no issues. **What do you dislike about Payactiv?** The only thing I dislike, is I wish more of my employees would take advantage of the program. **What problems is Payactiv solving and how is that benefiting you?** I am solving issues with employees needing their pay early, they have the ability to withdraw funds and not have to wait until payday, the benefit is I've noticed employees staying employed with us longer, the retention rate is better and most say because of this benefit we offer. ### 37. great service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Higher Education | Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** so fast short-term loan, I and my colleagues use every pay period **What do you dislike about Payactiv?** nothing, I like everything, if I have any problems thew customer service resolve it immediately **Recommendations to others considering Payactiv:** Please increase the loan minimum balance, because today we are using only $500 twice a month. if the loan amount will be more than $500, I hope will be so helpful for me and my colleagues. I recommend using a Payactiv service because that is a great opportunity to receive the additional cash and pay so small fee. **What problems is Payactiv solving and how is that benefiting you?** The app didn't work 2 or 3 times ### 38. A great benefit for our employees! **Rating:** 5.0/5.0 stars **Reviewed by:** Hannah S. | General Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** March 18, 2021 **What do you like best about Payactiv?** PayActiv has been a great benefit to offer to our amazing team! In addition to offering assistance to our current employees, it has been a vital tool for recruiting and retaining staff members. We understand that money can get tight for us all and living paycheck to paycheck is a realization for so many. By being able to offer access to earned wages for very little fees we hope to better our employees lives by being able to access fund without high interest rates or excess fees often required through other avenues. **What do you dislike about Payactiv?** Nothing to dislike! Great feedback from our employees utilizing the service, as well as our managers who help administer the benefit. **What problems is Payactiv solving and how is that benefiting you?** At this time, we have had no problems with the services. Benefits include happy employees! ### 39. PayActiv is a great, low cost option for our staff to access their earned wages prior to payday! **Rating:** 5.0/5.0 stars **Reviewed by:** Kelsey E. | HR Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2020 **What do you like best about Payactiv?** Ease of use, low cost option for our employees. **What do you dislike about Payactiv?** The manual process of emailing in our employees time. **Recommendations to others considering Payactiv:** It works great and is easy to use. Your employees will thank you! **What problems is Payactiv solving and how is that benefiting you?** No need for staff to request payday advances or seek out high interest payday loans. ### 40. Easy to see hours and know your pay **Rating:** 5.0/5.0 stars **Reviewed by:** Chacarra B. | Stylist, Small-Business (50 or fewer emp.) **Reviewed Date:** June 08, 2021 **What do you like best about Payactiv?** That I'm able to see the hours that I have worked for the pay period **What do you dislike about Payactiv?** I dislike it don't always show the amount **What problems is Payactiv solving and how is that benefiting you?** That I'm able to get a pay advance without taking out a major loan ### 41. When you have an emergency, Payactiv is always there. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** What I like best is that, the availability of funds are quick and easy to obtain. Payment is fair and there is no outrageous interest for repayment. **What do you dislike about Payactiv?** You have to go through a lot of verification to obtain a new card if you want to update your address or if you need a new card. **Recommendations to others considering Payactiv:** Don't be afraid. It's to help you in tough situations **What problems is Payactiv solving and how is that benefiting you?** I've solved emergency situations. Last minute notice on things that needed to be done. The benefits are all great amd worth it. You don't have to borrow all available funds at once l. You can choose what you want to borrow. ### 42. Amazing! Don’t have to worry about next pay day to pay bills **Rating:** 5.0/5.0 stars **Reviewed by:** Brittney H. | Customer service agent, Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** That I can access some of my earnings early **What do you dislike about Payactiv?** It charges a $1.99 for me to burrow my money **What problems is Payactiv solving and how is that benefiting you?** Bills paid, food on the table ### 43. Great program **Rating:** 5.0/5.0 stars **Reviewed by:** Robert G. | O, Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** I own a company and my staff love it. They are able to access their paycheck **What do you dislike about Payactiv?** Nothing This has been a great help to our staff **Recommendations to others considering Payactiv:** None **What problems is Payactiv solving and how is that benefiting you?** Allow staff to pay their bills and not have to wait till payday it has prevented cell phone from being shut off and rent from being late and cars from being repaired ### 44. Great Recruiting Tool for our company **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Enterprise (> 1000 emp.) **Reviewed Date:** January 22, 2021 **What do you like best about Payactiv?** Instant Pay has been an invaluable tool in recruiting employees. The program is convenient and easy to use. Currently we've been matched with a dedicated account manager which has proven to be very valuable in our communications to resolve employee and support questions. **What do you dislike about Payactiv?** As an administrator - we've had some issues reconciling between withdrawals and what was due to PayActiv. The maximum count of withdrawals has sometimes proven problematic with employees. But as a user and administrator - I don't see any problems with this feature. **What problems is Payactiv solving and how is that benefiting you?** We've eliminated employee advance requests. Employees have shown great appreciation for PayActiv especially in these times of COVID, when pay is vital to get through the day to day. ### 45. Phenomenal Tool for Employee Financial Wellness **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Enterprise (> 1000 emp.) **Reviewed Date:** February 11, 2021 **What do you like best about Payactiv?** From the perspective of an IT professional who manages many different integrations and implementations, the customer support and Ease of implementation is astoundingly impressive. On the employee engagement and welfare front, PayActiv and the services offered through their platform have improved turnover and become a staple in our benefits package. **What do you dislike about Payactiv?** It's difficult to identify a point of dissatisfaction with PayActiv. **Recommendations to others considering Payactiv:** A simple solution to many problems that employers face, PayActiv will greatly improve your employees' financial well being. **What problems is Payactiv solving and how is that benefiting you?** We've seen a marked improvement in turnover as well as been able to use PayActiv as a tool to assist employees in becoming more financially secure by deferring them away from predatory lenders as a source of quick income. It has also helped improve our benefits package as a whole and enabled us to attract talent in a very difficult market. ### 46. Easy peasy! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** The ease of using the app to see how much is available to borrow and the prompt payout. **What do you dislike about Payactiv?** I have not experienced any issues thus far. **What problems is Payactiv solving and how is that benefiting you?** Unexpected car problems. Having access to already earned money allowed me to get my tire replaced and get to work. ### 47. Help your employees help themselves **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** June 23, 2021 **What do you like best about Payactiv?** How easy it was to set up. We use ADP as our payroll provider, and they work together seamlessly. **What do you dislike about Payactiv?** We have been with them for about 6 months and have not had any issues. **What problems is Payactiv solving and how is that benefiting you?** Associates can see what they have earned every day, and that makes them feel better. They also have the ability to get paid sooner than their regular pay day and that helps them when they need it most. ### 48. Rocky start but things are improving **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Veterinary | Enterprise (> 1000 emp.) **Reviewed Date:** June 04, 2021 **What do you like best about Payactiv?** The new look and User interface are pretty cool. **What do you dislike about Payactiv?** Your Customer service is not very skilled **What problems is Payactiv solving and how is that benefiting you?** Your customer service agents are not knowledgeable enough about the product. They can't even tell you the easiest way to sign in. ### 49. AMAZING PRODUCT EVER! YOUR EMPLOYEES WILL LOVE YOU **Rating:** 5.0/5.0 stars **Reviewed by:** Lauren M. | Senior Payroll Administrator, Mid-Market (51-1000 emp.) **Reviewed Date:** February 06, 2020 **What do you like best about Payactiv?** this App has changed the lives of employees. They now can feel better about coming in to work knowing if they need a little extra cash without a loan and charges. **What do you dislike about Payactiv?** I think that it is a great product I think more training would benefit but other than that all good. **What problems is Payactiv solving and how is that benefiting you?** People not calling off of work because they dont have money. Or they need a ride. Employees are more happy. ### 50. Great Service **Rating:** 5.0/5.0 stars **Reviewed by:** Jeremy O. | Operations and HR Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** June 03, 2021 **What do you like best about Payactiv?** PayActiv handles all of the employees problems **What do you dislike about Payactiv?** Don't get notifications when employees request funds **Recommendations to others considering Payactiv:** I recommend using it for your employees **What problems is Payactiv solving and how is that benefiting you?** Employees can get their wages when they want it ## Payactiv Discussions - [Does it impact employer's cash flow?](https://www.g2.com/discussions/does-it-impact-employer-s-cash-flow) - 2 comments, 1 upvote - [Does PayActiv process payroll?](https://www.g2.com/discussions/does-payactiv-process-payroll) - 1 comment, 1 upvote - [Is this a loan?](https://www.g2.com/discussions/is-this-a-loan) - 2 comments, 1 upvote - [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 - [View Payactiv pricing details and edition comparison](https://www.g2.com/products/payactiv/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-13+09%3A04%3A57+-0500&secure%5Bsession_id%5D=bcf2858c-a698-4a27-83bd-2d4ac4816517&secure%5Btoken%5D=c8e746d01f383c94616a97b7c2a461d140b76566d18f1705eb1d7767e7014c3a&format=llm_user) ## Payactiv Integrations - [Kronos Cloud](https://www.g2.com/products/kronos-cloud/reviews) - [UKG Pro](https://www.g2.com/products/ukg-pro/reviews) ## Payactiv Features **Platform Content** - Education Tools - Mobile Tools - Content Library **Payments** - Earned wage access - Tips and mileage reimbursement - Awarding bonuses **Platform Basics** - Program Management - Secure - Interoperability - Performance **Financial wellness** - Financial wellness tools - Automatic savings - Debit card **Platform Additional Functionality** - Employee Portal - Gamification - Education **Administration** - Reports and dashboards - Compliance - Mobile compatibility - Integrations **Platform Data** - Dashboard & Reporting - Visualization - Platform Search - Alerts and Notifications ## Top Payactiv Alternatives - [DailyPay](https://www.g2.com/products/dailypay/reviews) - 4.7/5.0 (91 reviews) - [Branch](https://www.g2.com/products/branch-branch/reviews) - 4.7/5.0 (63 reviews) - [Tapcheck](https://www.g2.com/products/tapcheck/reviews) - 4.7/5.0 (139 reviews)