--- 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) ![Verified User in Health, Wellness and Fitness](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Health, Wellness and Fitness") AH Verified User in Health, Wellness and Fitness Enterprise (\> 1000 emp.) 2/1/2021 "Payroll Manager" 5/5 What do you like best about Payactiv? availability for our employees to have an advance available Review collected by and hosted on G2.com. What do you dislike about Payactiv? I think the program is awesome and that we in payroll do not have to answer any questions Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Availability of our employee to get some money right now, Retaining employee. 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.) 2/11/2021 "Brand New" 4.5/5 What do you like best about Payactiv? Training has been great so far and look forward to using the product Review collected by and hosted on G2.com. What do you dislike about Payactiv? we really do not have any complaints to date Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Payroll advance for employees Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic CF Chris F. Enterprise (\> 1000 emp.) 2/10/2020 "PayActiv On-demand pay" 5/5 What do you like best about Payactiv? Provides an easy way for our employees to access their money before payday. The app is straight forward and the flat per pay period if (only when used) is worth it. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Like all apps, there are a couple of bugs to be worked out when we enter our HRIS/Payroll credentials to access the app. Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: During the implementation process, make sure to ask lots of detailed questions on the process. Also, conduct internal testing to make sure you know how it works inside and out before you go live. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Using PayActiv has reduced the number of paycheck advances and employee loans we used to process internally. Employees are able to use the app whenever they need it, instead of coming to HR during office hours. Usage of the app and the ability to access money continues to increase every payroll! Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic AF Anthony F. CEO Mid-Market (51-1000 emp.) 4/23/2020 "Comfort Keepers Manassas" 5/5 What do you like best about Payactiv? Specific visible action owner can take to demonstrate they care about EEs. Illustrates we put employees first and care about their overall well being. Can be utilized with minimal instructions. EEs appreciate using the feature. Easy to administer from our office efficiency standpoint. Minimal cost for excellent returns. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Need to overcome culture EEs are not aware such a feature exists. Desire more EEs would use. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Solves EE's need to utilize expensive payday lending institutions. Prevents EEs from taking on additional debt. Improves, retention, minimizes attrition. Clearly set our company apart from competition. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Chris D.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Chris D.") CD Chris D. Mid-Market (51-1000 emp.) 4/22/2020 "Good Company and Product, the do what they say they do" 5/5 What do you like best about Payactiv? They provide a needed service to my employees so that they don't fall victim to payday lenders. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Only dislike is that occasionally a new employee will have some issues getting set up with the service due to the fact our Quickbooks is the desktop version run on a virtual desktop in the cloud so I make it harder on Payactiv to verify the employment info they need to process new employees Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? I no longer have to keep a petty cash fund on the office or issue and track employee cash advances Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Sun Com M.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Sun Com M.") SM Sun Com M. Mid-Market (51-1000 emp.) 4/23/2020 "A great benefit for our employees." 5/5 What do you like best about Payactiv? How employees can easily access their funds when needed. Review collected by and hosted on G2.com. What do you dislike about Payactiv? There is nothing i dislike about Payactiv. Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: Reach out for demonstration it will be the best thing you can do for your employees. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Payactiv has been a great partner in helping Sun Com bridge the gap from paycheck to paycheck for our employees. As we are currently going through this pandemic with COVID-19 it is nice to know that are employees are able to access their funds when needed. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Verified User in Non-Profit Organization Management](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Non-Profit Organization Management") AN Verified User in Non-Profit Organization Management Small-Business (50 or fewer emp.) 4/20/2020 "Price is right but service can be slow" 2.5/5 What do you like best about Payactiv? The cost per use is the best I have found. I have yet to hear an employee complain about the cost to access funds. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Customer service can be very slow and not helpful to employees. I have had to get involved on several occasions to get an answer for an employee. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Employees are able to access thrown wages when needed without having to ask for an advance. 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 Mid-Market (51-1000 emp.) 4/17/2020 "Great low cost option for a payday advance." 5/5 What do you like best about Payactiv? The software is easy to use and provides a lot of different ways to receive your money. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Some times the first few days in the new payroll week, it doesn't allow a withdrawal Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: The company is getting better every day. The initial set up is a bit challenging but so far it's been a blessing to us as an employer and to the employees needing the funds. Before we had this service they would borrow money from the company or go to a payday advance and was paying outlandish fees. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Last minute emergencies. I noticed many other ways I can utilize this card. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Verified User in Plastics](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Plastics") AP Verified User in Plastics Mid-Market (51-1000 emp.) 4/20/2020 "Great service for employees!" 4/5 What do you like best about Payactiv? Provides emergency cash to employees in need, keeping them out of payday lenders and off credit cards. Fully integrates with payroll so I don't need to manually process the deductions. They're also waiving all fees during the COVID pandemic, a great help for those in need. Review collected by and hosted on G2.com. What do you dislike about Payactiv? Can be a challenge for employees who aren't technically savvy. Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Employees are able to bring the gap in finances between biweekly pay days. This is being used way more than I anticipated and by white collar and blue collar populations. 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.) 4/29/2020 "PayActiv Survey" 3.5/5 What do you like best about Payactiv? Pay Advance. Help everyone whose in need of money prior to getting their actual pay check Review collected by and hosted on G2.com. What do you dislike about Payactiv? Finance Dept need to be more precise and accurate on their accounting. I've had so multiple incidents when employees cannot get an advance because accdg to payactiv they have an unpaid balance and in reality it was paid. Very inefficient and annoying for everyone involved Review collected by and hosted on G2.com. Recommendations to others considering Payactiv: Use it if you need money in advance Review collected by and hosted on G2.com. What problems is Payactiv solving and how is that benefiting you? Accounting problem Review collected by and hosted on G2.com. 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