Payactiv plans
Employer program
$0/employee/mo2
No cost to the employer
- Earned wage access connected to payroll and time data
- Program controls and eligibility settings
- Payroll cards, tips and mileage, off-cycle pay
Price at a glance
Payactiv cost by company size
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 1 | $0/mo$0 over 3 yrs |
| 5 | $0/mo$0 over 3 yrs |
| 10 | $0/mo$0 over 3 yrs |
| 25 | $0/mo$0 over 3 yrs |
| 50 | $0/mo$0 over 3 yrs |
| 100 | $0/mo$0 over 3 yrs |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Extra and hidden costs
Employees pay
$3.49 for real-time transfers to non-Payactiv debit or payroll cards, Walmart cash pickup, Venmo or PayPal3
Employees pay
$2.49 for real-time transfers to a Payactiv Visa Card without a direct deposit of at least $200 per pay period3
ACH transfers in 1-3 business days, and real-time transfers to a Payactiv Visa Card with a qualifying direct deposit, have no fee
Listed by the vendor3
Is it worth the price?
50th percentilePayactiv at $0/mo1 — the category median (list price per month at 25 employees, 6 earned wage access products with published prices).
At 25 employees, Payactiv lists at $0 a month. Of the 6 earned wage access products with published prices, 0 cost less, 5 cost the same and 0 cost more.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Payactiv | $0/employee/mo1 | Free | Payactiv pricing |
 DailyPay | $0/employee/mo4 | Free | DailyPay plans and prices |
 Tapcheck | $0/employee/mo5 | Free | What Tapcheck costs |
 Branch | $0/employee/mo6 | Free | Branch pricing |
 ZayZoon | $0/employee/mo7 | Free | ZayZoon pricing |
 Rain | See plans | Free | Rain pricing |
Lowest published monthly price of a plan for earned wage access, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
Payactiv price comparisons
Frequently asked questions
How much does Payactiv cost an employer?
Payactiv is free for employers, who offer its earned wage access at no cost while employees keep a no-fee way to get paid early.
What fees do employees pay with Payactiv?
ACH transfers in 1-3 business days are free. Real-time transfers to a Payactiv Visa Card are free with a direct deposit of at least $200 per pay period and $2.49 without one; real-time transfers to other cards, Venmo or PayPal cost $3.49.
Is there a free way to get paid early with Payactiv?
Yes. ACH transfers in 1-3 business days cost nothing, as do real-time transfers to a Payactiv Visa Card with a direct deposit of $200 or more per pay period, Amazon loads and bill pay.
Are there hidden fees with Payactiv?
Payactiv publishes its full fee table, and its Visa card has no maintenance, inactivity or minimum-balance fees; fees can apply to some withdrawals, foreign transactions, out-of-network ATMs and retail cash loads.
Does Payactiv charge a fee or ask for tips?
There is always a free option and Payactiv never asks for tips; it is not a loan, so there is no interest.
How do Payactiv’s fees compare with other earned wage access providers?
Payactiv competes on its free routes: ACH, real-time pay to its card with a qualifying direct deposit, Amazon loads and bill pay cost nothing, and its paid options are $2.49 or $3.49.
Who makes Payactiv?
Payactiv (an earned wage access provider) was founded in 2012 and is headquartered in Silicon Valley, CA, USA. Payactiv is privately held. See the Payactiv company profile for the products it sells.
How this page was made
What it is built from
12 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 24, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested Payactiv hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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Payactiv Pricing
Sources
The 9 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
Quotes from the sources
- Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”
- Payactiv payactiv.com/earned-wage-access“Employers can offer Payactiv Earned Wage Access to employees at no cost.”
- Payactiv payactiv.com/program-pricing“As a Certified B Corp and Public Benefit Corporation, we are dedicated to giving you transparent and fair pricing.” “Transfer to Venmo and PayPal (with preexisting Visa+ payname) $3.49”
- DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
- Tapcheck tapcheck.com“Tapcheck is 100% free for employers to offer and employees pay only a single, ATM-like fee for transfers.”
- Branch branchapp.com/use-cases/earned-wage-access“Offering EWA comes at no cost to your business.”
- ZayZoon zayzoon.com/employers“ZayZoon doesn’t cost you a cent.”
- Payactiv payactiv.com/about“Payactiv was founded in 2012, when it developed the payroll-integrated Earned Wage Access model.” “Payactiv is a privately held, venture-backed company that operates as an independent B Corp and Public Benefit Corporation.”
- Payactiv payactiv.com/press/oak-view-group-selects-payactiv-in-exclusive-partnership-to-enable-earned-wage-access-for-employees-across-40-u-s-venues“Payactiv is a Certified B Corporation and Public Benefit Corporation based in Silicon Valley.”
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