Payactiv Pros and Cons: Top 5 Advantages and Disadvantages

Quick AI Summary Based on G2 Reviews

Generated from real user reviews

Users value the early payment access of Payactiv, which provides financial relief before payday and aids in emergencies. (16 mentions)

Users appreciate the easy initial setup of Payactiv, making it simple for both employers and employees to use. (12 mentions)

Users appreciate the ease of use of Payactiv, citing its simple setup and smooth functionality for all users. (9 mentions)

Users appreciate the smooth payroll management of Payactiv, allowing quick access to earned wages before payday. (8 mentions)

Users appreciate the easy access to earned wages with Payactiv, providing quick relief during financial emergencies. (6 mentions)

Users find the high fees of Payactiv burdensome, leading to increased debt and complications during cashouts. (5 mentions)

Users face payroll issues with Payactiv, including high fees and difficulties in accessing funds during pay periods. (4 mentions)

Users often struggle with login issues, facing difficulties that complicate the cash-out process and lead to frustration. (2 mentions)

Users report poor customer support, highlighting difficulties in getting help and lack of effective communication. (2 mentions)

Users experience slow performance with Payactiv, particularly during peak times, affecting their ability to cash out smoothly. (2 mentions)

5 Pros or Advantages of Payactiv

1. Early Payment Access

Users value the early payment access of Payactiv, which provides financial relief before payday and aids in emergencies.

See 16 mentions

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Verified User

Enterprise (> 1000 emp.)

4.5/5

"A Lifeline for Employees in Tough Financial Moments"

What do you like 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 situatio

Ann W.

5.0/5

"Effortless Wage Access with Stellar Support"

What do you like 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

2. Setup Ease

Users appreciate the easy initial setup of Payactiv, making it simple for both employers and employees to use.

See 12 mentions

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Ann W.

5.0/5

"Effortless Wage Access with Stellar Support"

What do you like 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

Chloe M.

5.0/5

"Essential Financial Lifeline, Quickly Accessible"

What do you like 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 v

3. Ease of Use

Users appreciate the ease of use of Payactiv, citing its simple setup and smooth functionality for all users.

See 9 mentions

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Ann W.

5.0/5

"Effortless Wage Access with Stellar Support"

What do you like 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

Pam M.

Enterprise (> 1000 emp.)

5.0/5

"Outstanding Partnership with UKG Wallet: Professional, Agile, and Smooth Rollout"

What do you like 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 resp

4. Payroll Management

Users appreciate the smooth payroll management of Payactiv, allowing quick access to earned wages before payday.

See 8 mentions

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Ann W.

5.0/5

"Effortless Wage Access with Stellar Support"

What do you like 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

Kathy S.

5.0/5

"Convenient for Emergency Fund Access"

What do you like 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

5. Easy Access

Users appreciate the easy access to earned wages with Payactiv, providing quick relief during financial emergencies.

See 6 mentions

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Kathy S.

5.0/5

"Convenient for Emergency Fund Access"

What do you like 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

erick s.

5.0/5

"A Lifesaver for Personal Financial Management"

What do you like 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

5 Cons or Disadvantages of Payactiv

1. High Fees

Users find the high fees of Payactiv burdensome, leading to increased debt and complications during cashouts.

See 5 mentions

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Verified User

Enterprise (> 1000 emp.)

4.5/5

"A Lifeline for Employees in Tough Financial Moments"

What do you dislike about Payactiv?

I don't love the fees, but I know that is part of the business.

Pamela B.

5.0/5

"Always There When Needed, but Pricey"

What do you dislike about Payactiv?

I think the charges are kind of high

2. Payroll Issues

Users face payroll issues with Payactiv, including high fees and difficulties in accessing funds during pay periods.

See 4 mentions

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Kathy S.

5.0/5

"Convenient for Emergency Fund Access"

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.

Victoria A.

5.0/5

"Essential Financial Lifeline with Customizable Flexibility"

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.

3. Login Issues

Users often struggle with login issues, facing difficulties that complicate the cash-out process and lead to frustration.

See 2 mentions

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Lindsay C.

1.5/5

"High Fees Detract from Initial Benefits"

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 a

Aujahna V.

5.0/5

"Convenient Early Access to Funds But High Fees"

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 in

4. Poor Customer Support

Users report poor customer support, highlighting difficulties in getting help and lack of effective communication.

See 2 mentions

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Concepsion C.

Enterprise (> 1000 emp.)

5.0/5

"Payactiv Transformed Our Workforce with Early Wage Access and Seamless Integration"

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

Verified User

Small-Business (50 or fewer emp.)

0.0/5

"For emergencies only"

What do you dislike about Payactiv?

Literally, almost everything else: - extremely unprofessional - little to no interdepartmental communication - lack of continuity between the website

5. Slow Performance

Users experience slow performance with Payactiv, particularly during peak times, affecting their ability to cash out smoothly.

See 2 mentions

See Related User Reviews

Lindsay C.

1.5/5

"High Fees Detract from Initial Benefits"

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 a

Michelle L.

Mid-Market (51-1000 emp.)

4.5/5

"Fast, Convenient Same-Day Earnings Access with Payactiv"

What do you dislike about Payactiv?

It can sometimes run slow in the afternoon.

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Verified User in Banking

Small-Business (50 or fewer emp.)

4/21/2025

"For emergencies only"

0/5

What do you like best about Payactiv?

Quick access to wages, accepted by most carriers, ability to pay bills Review collected by and hosted on G2.com.

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 Review collected by and hosted on G2.com.

Current UserValidated ReviewerSource: Organic

Verified User in Manufacturing

Mid-Market (51-1000 emp.)

8/29/2024

"Not recommended."

0/5

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. Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

Next to impossible to get assistance. Employees have reported rude and uncaring attitude from PayActive employees. These issues occurred 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. Review collected by and hosted on G2.com.

Validated ReviewerSource: Organic

mari W.

kfc/taco bell

Mid-Market (51-1000 emp.)

Updated 12/20/2022

Originally submitted 6/3/2021

"Great to have your pay when you need it and not have to wait."

4.5/5

What do you like best about Payactiv?

Pay when needed. You can get a potion of your pay in minutes. Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

The fees. You get charged for putting your pay on your pay card. Review collected by and hosted on G2.com.

Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller

Mike M.

Owner

Mid-Market (51-1000 emp.)

Updated 12/20/2021

Originally submitted 12/17/2019

"One of my best business decisions"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Recommendations to others considering Payactiv:

This should be a no brainer decision. It helps your employees and does not cost the company anything Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Validated ReviewerSource: Organic

Verified User in Hospital & Health Care

Mid-Market (51-1000 emp.)

6/24/2022

"Our experience has not been good."

0/5

What do you like best about Payactiv?

The service they offer is important in this day and age. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Validated ReviewerIncentivizedSource: G2 invite

Verified User in Hospital & Health Care

Mid-Market (51-1000 emp.)

Updated 10/21/2021

Originally submitted 6/3/2021

"Outstanding benefit for employees"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

Many pay periods we have to reach out to Payactiv to have them upload our hours so that employees can access money. Very frustrating to the employee as well as us because we are a small operation. Review collected by and hosted on G2.com.

Recommendations to others considering Payactiv:

I think 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. Review collected by and hosted on G2.com.

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 are the employee and the payroll coordinator. Review collected by and hosted on G2.com.

Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller

Ricardo Lee M.

Affiliate Marketing Specialist

Small-Business (50 or fewer emp.)

11/11/2021

"Payactiv a good as a virtual visa"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

The virtual card Can't be used on google pay, cashapp or PayPal. Review collected by and hosted on G2.com.

Current UserValidated ReviewerIncentivizedSource: G2 invite

Elizabeth S.

Human Resources Supervisor, Payroll Administrator

Mid-Market (51-1000 emp.)

6/3/2021

"Convenient and Easy to Use"

5/5

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! Review collected by and hosted on G2.com.

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 convenient 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 accessibility 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. Review collected by and hosted on G2.com.

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 paycheck to paycheck. 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 access to their wages with minimal fees instead of the high interest rates charged at other places. Review collected by and hosted on G2.com.

Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller

Jeannette S.

Sales Manager

Mid-Market (51-1000 emp.)

Updated 10/19/2021

Originally submitted 6/3/2021

"Easy to use & VERY helpful"

5/5

What do you like best about Payactiv?

Very easy to use and helpful when you're in a tight spot !! Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

Kinda slow picking up the hours like it should Review collected by and hosted on G2.com.

Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller

Kathy B.

Payroll Manager

Mid-Market (51-1000 emp.)

2/11/2021

"Great Company to work with"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Payactiv?

I cannot say I dislike anything about PayActiv honestly, I never have any issues or problems with them. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Current UserValidated ReviewerSource: Organic