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Payroll · head to head

Nmbrs vs Payactiv

Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
Rated
-
Full reviewWebsite
Payactiv logo

Payactiv

Payroll

Earned wage access and financial wellness benefit, free to employers and free for standard transfers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Payactiv has a free tier, so it costs nothing to try first.
  • Each has a real cost: Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.; Payactiv heavy repeat use of wage advances by an employee is a sign that base pay does not cover living costs, and offering the benefit does not address that underlying compensation problem.
  • They diverge on capability: Nmbrs covers Dutch payroll engine, Payactiv covers Earned wage access.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Nmbrs and Payactiv actually diverge.

Attributes where Nmbrs and Payactiv differ
AttributeNmbrsPayactiv
Starting priceOn requestFree
Pricing modelquoteFree for employers, fees apply only to expedited transfers
Free tierNoYes

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

Only in Payactiv

  • Earned wage access
  • Payactiv Card
  • Free standard transfers
  • Bill pay and marketplace
  • Financial wellness tools
  • Broad HCM integration

What people use each for

The jobs each tool is most often brought in to do.

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Payactiv
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Payactiv
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Payactiv
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Payactiv

Payactiv

  • A hourly-wage employer in retail, healthcare or hospitality wanting to reduce payday-loan reliance among staffnot Nmbrs
  • An HR team wanting earned wage access with no employer subscription feenot Nmbrs
  • A company already on ADP, Paychex or another supported HCM system wanting minimal integration effortnot Nmbrs
  • An employer wanting bundled financial wellness and bill pay features alongside wage advancesnot Nmbrs

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Payactiv

  • Heavy repeat use of wage advances by an employee is a sign that base pay does not cover living costs, and offering the benefit does not address that underlying compensation problem.
  • The product depends entirely on accurate, timely data from the employer's time-and-attendance and payroll systems, so errors upstream translate directly into wrong advance calculations for employees.
  • Free tiers apply to standard delivery only, and employees who need funds immediately outside the free instant-transfer conditions pay expedited fees that are easy to trigger without realising it.
  • Employer coverage and card acceptance skew toward the United States, so it does not serve multinational workforces without a country-specific alternative.
  • As an intermediary sitting between payroll and the employee, it introduces another vendor with access to sensitive payroll and time data, which adds a data governance and vendor risk conversation many employers underestimate before rollout.

Pricing, plan by plan

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

Payactiv

Free
  • PayactivFree
    • No employer subscription cost
    • Free standard 1 to 3 day ACH and qualifying instant transfers
    • Fees apply only to expedited delivery options

Which should you pick?

Choose Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Choose Payactiv if

  • You need earned wage access.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want payactiv card.
Payactiv review

Questions people ask

Is Nmbrs or Payactiv better?
Neither clearly leads. Nmbrs starts at On request and Payactiv at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Nmbrs or Payactiv?
Payactiv has a free tier; the other does not. Paid plans start at On request for Nmbrs and Free for Payactiv.
Does Nmbrs or Payactiv run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Payactiv for free?
Yes. Payactiv has a free tier, so you can try it without paying. Nmbrs starts at On request.
What is Nmbrs best used for?
Nmbrs is most often used for a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator, an accountancy firm running payroll for dozens of client companies from one workspace, a dutch subsidiary of an international group that needs correct cao and pension fund handling, an hr or time tracking vendor that needs a documented api to push hours and changes into dutch payroll. Of those, a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator and an accountancy firm running payroll for dozens of client companies from one workspace are not what Payactiv is typically brought in for.
What can Nmbrs do that Payactiv cannot?
Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service. Payactiv covers Earned wage access, Payactiv Card, Free standard transfers, Bill pay and marketplace.

Answered from the vendors’ own pages

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Payactiv: Does it cost the employer anything?

No, the core benefit is free to employers, and standard employee transfers are also free; only expedited delivery options carry a fee.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Payactiv: How is the advance calculated?

From wages already earned according to the employer's time and attendance or payroll data, not a loan against future unearned pay.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Payactiv: Which payroll systems does it integrate with?

More than 70, including ADP, Paychex, Kronos, Workday and UKG.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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