Payroll · pricing
Payactiv pricing
Payactiv publishes a single tier. Below is what it costs, what it covers, and how that compares with the payroll tools listed alongside it.
As of 1 September 2026, Payactiv pricing is free. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Free for employers, fees apply only to expedited transfers
- Tiers
- 1
- Free tier
- Yes
Payactiv plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Payactiv | Free | 3 | Entry tier |
Where Payactiv stops being free
Payactiv, Free
- No employer subscription cost
- Free standard 1 to 3 day ACH and qualifying instant transfers
- Fees apply only to expedited delivery options
No paid tier on record
Payactiv lists a free tier and no priced tier above it in the record we hold.
What the product covers
The full Payactiv feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Earned wage access
- Payactiv Card
- Free standard transfers
- Bill pay and marketplace
- Financial wellness tools
- Broad HCM integration
People bring Payactiv in for a hourly-wage employer in retail, healthcare or hospitality wanting to reduce payday-loan reliance among staff, an hr team wanting earned wage access with no employer subscription fee, a company already on adp, paychex or another supported hcm system wanting minimal integration effort, an employer wanting bundled financial wellness and bill pay features alongside wage advances. If that is not the job you are buying for, the alternatives to Payactiv are worth a look before you commit to a tier.
How that compares in Payroll
Too few payroll tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Payactiv (this page) | Free | Free for employers, fees apply only to expedited transfers | - | |
| Rain Instant Pay | On request | quote | - | vs Payactiv |
| Clair | On request | quote | - | vs Payactiv |
| Openwage | On request | Per-transfer fee, paid by the employee | - | vs Payactiv |
| Refyne | On request | quote | - | vs Payactiv |
| Hastee | On request | quote | - | vs Payactiv |
| Wagestream | On request | quote | - | vs Payactiv |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Payactiv badges page.
Before you pay for Payactiv
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: a single tier at Free. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Payactiv runs on web, ios, android, and is published by Payactiv of San Jose, California, United States. The full record is on the Payactiv review, and the rest of the category is under best payroll tools.
Payactiv pricing questions
- How much does Payactiv cost?
- Payactiv publishes a single tier, Payactiv, at Free.
- Does Payactiv have a free plan?
- Yes. The Payactiv tier costs nothing and covers no employer subscription cost, free standard 1 to 3 day ach and qualifying instant transfers, fees apply only to expedited delivery options.
- What am I actually paying for with Payactiv?
- The record lists 6 features across 1 area: other. In practice it is brought in for a hourly-wage employer in retail, healthcare or hospitality wanting to reduce payday-loan reliance among staff, an hr team wanting earned wage access with no employer subscription fee, a company already on adp, paychex or another supported hcm system wanting minimal integration effort.
- Does Payactiv charge per user?
- The record carries a price and a billing period for each of its 1 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Payactiv prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Payactiv against before paying?
- The closest payroll tools in this directory are Rain Instant Pay, Clair, Openwage, Refyne. Each has a side-by-side comparison with Payactiv covering price, platforms and features.