--- title: Payactiv Reviews meta\_title: 'Payactiv Reviews 2026: Details, Pricing, & Features | G2' meta\_description: Filter 93 reviews by the users' company size, role or industry to find out how Payactiv works for a business like yours. aggregate\_rating: rating\_value: 4.6 review\_count: 93 scale: '5' date\_modified: '2026-08-11' parent\_category: name: HR url: https://www.g2.com/categories/hr --- ### 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, providing crucial cash support during personal emergencies and bill payments. [(16 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2076287&qs=pros-and-cons#reviews) Users praise the **easy initial setup** of Payactiv, making it simple to access funds when needed. [(12 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452672&qs=pros-and-cons#reviews) Users love the **ease of use** of Payactiv, praising its simple setup and fast access to earnings. [(9 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2362761&qs=pros-and-cons#reviews) Users appreciate the **smooth payroll management** of Payactiv, enhancing employee satisfaction and productivity significantly. [(8 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2290764&qs=pros-and-cons#reviews) Users value the **easy access** to their earnings anytime, appreciating its convenience during emergencies and essential payments. [(6 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2076277&qs=pros-and-cons#reviews) Users express concern over the **high fees** associated with Payactiv, which significantly impact their financial situation. [(5 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2362830&qs=pros-and-cons#reviews) Users struggle with **payroll issues** , facing high fees and difficulties in cashing out after pay periods. [(4 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=1657267&qs=pros-and-cons#reviews) Users often face **login issues** with Payactiv, making it difficult to access funds and complete transactions. [(2 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452683&qs=pros-and-cons#reviews) Users experience significant **poor customer support** , facing difficulties in receiving help and resolving account issues. [(2 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=1657330&qs=pros-and-cons#reviews) Users report **slow performance** with Payactiv, making cashing out challenging and frustrating during peak times. [(2 mentions)](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452792&qs=pros-and-cons#reviews) ### 5 Pros or Advantages of Payactiv ##### 1. Early Payment Access Users value the **early payment access** of Payactiv, providing crucial cash support during personal emergencies and bill payments. [ See 16 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2076287&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") A 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 AW 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 praise the **easy initial setup** of Payactiv, making it simple to access funds when needed. [ See 12 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452672&qs=pros-and-cons#reviews) See Related User Reviews AW 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 CM 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 love the **ease of use** of Payactiv, praising its simple setup and fast access to earnings. [ See 9 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2362761&qs=pros-and-cons#reviews) See Related User Reviews AW 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 PM 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, enhancing employee satisfaction and productivity significantly. [ See 8 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2290764&qs=pros-and-cons#reviews) See Related User Reviews AW 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.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Kathy S.") KS 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 value the **easy access** to their earnings anytime, appreciating its convenience during emergencies and essential payments. [ See 6 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2076277&qs=pros-and-cons#reviews) See Related User Reviews ![Kathy S.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Kathy S.") KS 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 ES 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 express concern over the **high fees** associated with Payactiv, which significantly impact their financial situation. [ See 5 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2362830&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") A 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. PB 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 struggle with **payroll issues** , facing high fees and difficulties in cashing out after pay periods. [ See 4 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=1657267&qs=pros-and-cons#reviews) See Related User Reviews ![Kathy S.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Kathy S.") KS 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.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Victoria A.") VA 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 face **login issues** with Payactiv, making it difficult to access funds and complete transactions. [ See 2 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452683&qs=pros-and-cons#reviews) See Related User Reviews LC 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.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Aujahna V.") AV 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 experience significant **poor customer support** , facing difficulties in receiving help and resolving account issues. [ See 2 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=1657330&qs=pros-and-cons#reviews) See Related User Reviews ![Concepsion C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Concepsion C.") CC 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](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") U 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 webs ##### 5. Slow Performance Users report **slow performance** with Payactiv, making cashing out challenging and frustrating during peak times. [ See 2 mentions ](https://www.g2.com/products/payactiv/reviews?filters%5Bsentiment_snippet%5D=2452792&qs=pros-and-cons#reviews) See Related User Reviews LC 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 ML 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. ## Top-Rated Alternatives [ ![DailyPay](https://images.g2crowd.com/uploads/product/hd_favicon/97068234479a0127b1e7c90431f34e79/dailypay.svg "DailyPay") DailyPay 4.7/5(92) ](https://www.g2.com/products/dailypay/reviews) [ ![Branch](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_b904cc93958c2b79672fd4882402c562/branch-branch.png "Branch") Branch 4.7/5(63) ](https://www.g2.com/products/branch-branch/reviews) [ ![Tapcheck](https://images.g2crowd.com/uploads/product/hd_favicon/a9a905e83ace9bcd9249515e21cfd729/tapcheck.svg "Tapcheck") Tapcheck 4.7/5(139) ](https://www.g2.com/products/tapcheck/reviews) [ View All Alternatives ](https://www.g2.com/products/payactiv/competitors/alternatives) ES 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 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. 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 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. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Jeannette S.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jeannette S.") JS Jeannette S. Sales Manager Mid-Market (51-1000 emp.) 6/3/2021 "Easy to use & VERY helpful" 5/5 What do you like best about Payactiv? Very easy to use and helpful when your 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. Recommendations to others considering Payactiv: Easy to use Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Helpful when you need money and your in a tight spot ! Review collected by and hosted on G2.com. Show More 10/19/2021 Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller KB 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. Show More Current UserValidated ReviewerSource: Organic ![Verified User in Outsourcing/Offshoring](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Outsourcing/Offshoring") UO Verified User in Outsourcing/Offshoring Mid-Market (51-1000 emp.) 1/20/2021 "Our Experience With PayActiv" 5/5 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! Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Our network of Icons are G2 members who are recognized for their outstanding contributions and commitment to helping others through their expertise.G2 Icon 3/18/2021 Current UserValidated ReviewerSource: Organic WL Wendy L. Payroll Specialist Enterprise (\> 1000 emp.) 2/25/2021 "INCREDIBLE benefit for my employees or anyone, really!" 5/5 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerSource: Organic ![Verified User in Hospital & Health Care](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Hospital & Health Care") AH Verified User in Hospital & Health Care Small-Business (50 or fewer emp.) 12/30/2019 "Great Product" 5/5 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. Review collected by and hosted on G2.com. What do you dislike about Payactiv? The only thing I dislike, is I wish more of my employees would take advantage of the program. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More 6/8/2021 Current UserValidated ReviewerSource: Organic ![Verified User in Higher Education](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Higher Education") UH Verified User in Higher Education Small-Business (50 or fewer emp.) 6/3/2021 "great service" 5/5 What do you like best about Payactiv? so fast short-term loan, I and my colleagues use every pay period Review collected by and hosted on G2.com. What do you dislike about Payactiv? nothing, I like everything, if I have any problems thew customer service resolve it immediately Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? The app didn't work 2 or 3 times Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Hannah S.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Hannah S.") HS Hannah S. General Manager Mid-Market (51-1000 emp.) 3/18/2021 "A great benefit for our employees!" 5/5 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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! Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite on behalf of seller KE Kelsey E. HR Manager Mid-Market (51-1000 emp.) 4/21/2020 "PayActiv is a great, low cost option for our staff to access their earned wages prior to payday!" 5/5 What do you like best about Payactiv? Ease of use, low cost option for our employees. Review collected by and hosted on G2.com. What do you dislike about Payactiv? The manual process of emailing in our employees time. Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: It works great and is easy to use. Your employees will thank you! Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More 6/7/2021 Current UserValidated ReviewerSource: Organic ![Chacarra B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Chacarra B.") CB Chacarra B. Stylist Small-Business (50 or fewer emp.) 6/8/2021 "Easy to see hours and know your pay" 5/5 What do you like best about Payactiv? That I'm able to see the hours that I have worked for the pay period Review collected by and hosted on G2.com. What do you dislike about Payactiv? I dislike it don't always show the amount Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. 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