--- 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: '2026-08-07' 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. ![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 Mid-Market (51-1000 emp.) 6/3/2021 "It has been a wonderful addition to our staff. It has helped with recruiting & retention." 5/5 What do you like best about Payactiv? Ease of set up and customer service has been good Review collected by and hosted on G2.com. What do you dislike about Payactiv? Nothing that I can think of. Integrated nicely to our system. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Helped with recruiting and retention Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite on behalf of seller ![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 Mid-Market (51-1000 emp.) 6/3/2021 "A Must for Employees" 5/5 What do you like best about Payactiv? Having PayActive for our employees has been valuable to our retention and hiring. Review collected by and hosted on G2.com. What do you dislike about Payactiv? I wish it was more streamlined to enroll new employees Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Hiring and Rentention. Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite on behalf of seller HH Heidi H. Human Resources Director Mid-Market (51-1000 emp.) 2/3/2021 "Easy to work with and responsive" 4/5 What do you like best about Payactiv? I like being able to offer a service to my employees that is easy to use and can help them through difficult times. Review collected by and hosted on G2.com. What do you dislike about Payactiv? It's still early for us, but I'd like more employees to use the service and understand the benefits. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Employee retention, employee satisfaction, employee well-being Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Tamara W.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Tamara W.") TW Tamara W. Payroll Admin Mid-Market (51-1000 emp.) 2/24/2021 "Payroll Admin" 5/5 What do you like best about Payactiv? The fact that team members can get funds when they are in need of help. Review collected by and hosted on G2.com. What do you dislike about Payactiv? There is nothing I don't like about Payactiv. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Team members having an outlet they can turn to for funds. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic BB Brian B. Human Resources Director Mid-Market (51-1000 emp.) 2/23/2021 Business partner of the seller or seller's competitor, not included in G2 scores. "Very helpfully to our employees" 5/5 What do you like best about Payactiv? Very easy to speak with someone at customer service Review collected by and hosted on G2.com. What do you dislike about Payactiv? Nothing that I can think of. Just wish more employees would sign up. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Sometimes there are issues with our payroll communicating with PayAcitv Review collected by and hosted on G2.com. Show More Validated 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 Mid-Market (51-1000 emp.) 2/1/2021 "Customer service/ Account Executive" 5/5 What do you like best about Payactiv? Shariq Akhatar is always available whenever you need help with resolving issues in timely matter or any concern/ questions. Review collected by and hosted on G2.com. What do you dislike about Payactiv? I personally was not singed for PayActiv but from employees experience I did not hear any downsides of using PayActiv. Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: Great software, easy and simple for use. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Employees feels more secure when they know that they have available funds through PayActiv Review collected by and hosted on G2.com. Show More 3/9/2021 Validated 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 Mid-Market (51-1000 emp.) 3/4/2021 "Good resource for staff" 4.5/5 What do you like best about Payactiv? Convenience of the app, which is easy to use. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Concerned with security & potential fraud Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: Yes, we have mentioned this to our affiliates. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? I've not personally used the resource but staff have appreciated the additional resource to get funds sooner than pay day. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic AM Amanda M. System Human Resources Officer Enterprise (\> 1000 emp.) 1/29/2021 "Wonderful" 5/5 What do you like best about Payactiv? Employees can access money when needed.. Review collected by and hosted on G2.com. What do you dislike about Payactiv? nothing. Needing to add more text to turn this box green... Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? no problems Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Verified User in Logistics and Supply Chain](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Logistics and Supply Chain") IL Verified User in Logistics and Supply Chain Enterprise (\> 1000 emp.) 4/22/2020 "Great benefit; Proud to be a part of the implementation team at my company" 5/5 What do you like best about Payactiv? My favorite part is how sincerely committed the PayActiv founder and executive team are to helping employees better manage their money, and avoid late fees and the need to resort to predatory lenders. It is also super easy to enroll and use via the mobile app. The reminder alerts are great as well (text message and/or email per the employee's preference). Review collected by and hosted on G2.com. What do you dislike about Payactiv? I used PayActiv for a few months when we first rolled out the service/benefit to the US-based employees at my company and something I personally noticed is that the money was only "extra" the first time I requested it. After that I had to keep using the service every pay period just to be paid my normal pay check amount. I had to budget to get by with less money on a pay check in order to stop having to use the service every pay period. Full disclosure: I requested the full allowable amount, vs. a smaller amount to pay a particular bill on time. Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: We rolled out PayActiv in a phased approach, starting with a pilot to one our five US business unit (a business unit that was having trouble converting contingent workers - paid weekly - to employees - paid bi-weekly), then followed by 3 other business units all at once after a few months of stabilization with the pilot group. We had a dedicated Change Management Lead for each business unit to help spread the word to employees and also field employee questions - in the method that worked best for that particular business unit. We also had a core project team - with representation from the HR PMO (yours truly), Payroll, Business Unit Change Management Leads, PayActiv, and HRIT (to help document requirements, build, test and deploy the integration files). Today after almost a year of rolling out PayActiv to our pilot group, we still report metrics to executive leadership on a monthly basis - % enrolled, # transactions, $ accessed, turnover/retention. While enrollment % has largely leveled off, it does continue to gradually increase, even with constant fluctuation in the number of eligible employees. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? I was able to avoid using my credit card to buy essentials such as groceries or fuel for my car, meaning no credit card interest incurred. Huge win! 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") CH Verified User in Hospital & Health Care Enterprise (\> 1000 emp.) 1/15/2021 "Great Service!" 4.5/5 What do you like best about Payactiv? Employees have access to PayActiv for a fraction of the cost and PayActiv does most of the work to get it done! Review collected by and hosted on G2.com. What do you dislike about Payactiv? On-boarding takes some time and I wish it would be easier to set up. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? not many. Benefits are employees are happy with the opportunity to use it when needed Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ## Top-Rated Alternatives [ ![DailyPay](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "DailyPay") DailyPay 4.7/5(92) ](https://www.g2.com/products/dailypay/reviews) [ ![Branch](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Branch") Branch 4.7/5(63) ](https://www.g2.com/products/branch-branch/reviews) [ ![Tapcheck](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Tapcheck") Tapcheck 4.7/5(139) ](https://www.g2.com/products/tapcheck/reviews) [ View All Alternatives ](https://www.g2.com/products/payactiv/competitors/alternatives) ##### Categories on G2 [Earned Wage Access](https://www.g2.com/categories/earned-wage-access)[Financial Wellness](https://www.g2.com/categories/financial-wellness) ##### Explore More [Which call center management software is best rated](https://www.g2.com/discussions/which-call-center-management-software-is-best-rated)[Best MFT software for small business](https://www.g2.com/discussions/what-s-the-best-mft-software-for-small-businesses)[Best-rated onboarding software for sales teams](https://www.g2.com/discussions/best-rated-onboarding-software-for-sales-teams) [What tool offers the most advanced audience segmentation features?](https://www.g2.com/discussions/what-tool-offers-the-most-advanced-audience-segmentation-features)[What's the top survey app for employee feedback](https://www.g2.com/discussions/top-survey-app-for-employee-feedback-what-are-people-actually-using)[Pros and Cons Details](https://www.g2.com/products/payactiv/reviews?qs=pros-and-cons) [Show MoreShow Less](javascript:void(0);)