Payactiv Reviews & Product Details

Payactiv makes access work—for people, for business, for growth. As the creator of Earned Wage Access, we work within payroll to provide responsible access to earned wages, proving that when people move forward, companies do too. Retention improves, staffing becomes more reliable, engagement rises, and teams contribute with greater consistency and commitment. In 2012, Payactiv introduced a simple but transformative idea: No one should wait to use what they’ve already earned. Employees should be able to access their earned wages—responsibly and securely—without interest, or disruption to payroll. This model bridges the gap between hours worked and pay received, helping employees avoid late fees, overdrafts, and payday loans that erode financial stability. But Payactiv goes beyond EWA. The platform is designed as a comprehensive financial growth infrastructure, offering a suite of tools that help employees manage, save, and plan for their future. For employers, it delivers measurable outcomes through real-time data, adoption insights, and ROI reporting, all within a compliant, payroll-aligned framework. More than 40,000 employers and 5 million employees across healthcare, retail, manufacturing, logistics, and hospitality trust Payactiv to drive measurable business and human outcomes. Core capabilities include: ✔︎ Earned Wage Access: Employees can access wages they’ve already earned—on demand, with no payday loans or credit checks. ✔︎ Financial growth tools: Built-in savings, bill pay, budgeting, built-in deals & offers, and goal-tracking features to build long-term financial health. ✔︎ Financial education and counseling: In-app learning resources and access to 1:1 financial counseling to support informed decisions and long-term financial confidence. ✔︎ Pay solutions: Payroll cards, digital tip and mileage disbursement, and off-cycle pay options that ensure every form of earned value is available when needed. ✔︎ Employer insights: Dashboards and reporting that measure engagement, retention, and ROI over time. ✔︎ Responsible design and compliance: SOC 2, PCI, and ISO certified, compliant in all 50 states, and built in partnership with regulators. ✔︎ Employee and employer support: Dedicated onboarding, optimization, and 24/7 customer care to ensure lasting adoption and success. Because when people have the means to move ahead, they bring their best to work—and workplaces built on that momentum grow stronger from the inside out, gaining the stability, loyalty, and performance that make growth mutual.

Product Website

Seller

Payactiv

Discussions

Payactiv Community

Overview by

Amin Akhtar (Director of Marketing Operations @ Payactiv)

Pricing

Pricing provided by Payactiv.

Employer Cost

Free

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Payactiv Integrations

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Verified by Payactiv

Payactiv Media

Payactiv Demo - Put financial wellness in reach

Employees can immediately access money for hours already worked, transfer to their bank, load it on a Payactiv card, or pick up cash at Walmart. They can even use their earned wages to call an Uber and get daily necessities from Amazon. We supply the money so your employees are covered without di...

Employees can pay bills directly through the Payactiv app keeping them ahead of their finances.

Payactiv fronts the money so employees automatically get tips and mileage reimbursement at the end of each shift. Improve payroll efficiency, save time and money, and give your employees the freedom to access their earned wages any day—for free.

Official Downloads

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Urban Outfitters transforms employee financial wellness with Payactiv

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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.

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.

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.

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.

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.

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.

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.

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.