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PayActiv

PayActiv

www.payactiv.com
What is your customer experience with PayActiv?

PayActiv Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

Based on reviews, created with AI
Rating Distribution

PayActiv has a 1.6 star rating from 14 customer reviews with mostly dissatisfied consumers; positive mentions of early access to funds contrast with widespread reliability and service issues.

Positive Feedback

Users value on-demand pay features such as advancing money until payday and borrowing against a check, noting early access to funds as useful.

Negative Feedback / Risk Areas

  • Frequent PayActiv customer complaints about app failures and no access after certain times, contradicting 24/7 access claims.
  • Reports of disputed or incorrect charges, overcharges, and unresolved refund or billing issues despite submitted proof.
  • Repeated failures in customer service, long holds, unhelpful agents, and account verification problems locking users out of funds.

Key Takeaways for Future Customers

  • Read PayActiv reviews carefully and be prepared for potential delays in refunds and billing dispute resolution.
  • Expect possible account access or app reliability problems and limited customer service responsiveness when considering the service.
View full overview ›

Media from reviews

PayActiv - Can't update my time
PayActiv - Policy disregardPayActiv - Policy disregard - Image 2PayActiv - Policy disregard - Image 3PayActiv - Policy disregard - Image 4PayActiv - Horrible customer servicePayActiv - Horrible customer service - Image 2
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Show reviews that mention
account access money phone number babe number week evening phone payment
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Sonia T Goe

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Dispute charges payacyve refuse to replace my money

Updated by user Dec 21, 2025

Terrible

Original review Dec 07, 2025
I been charged multiple times on a lot transactions that I have showed proof to pay active.and they denied it anything that happens with fraud to customers account they absolutely do not help .this is not my first time having issues with fraud to my account .pay active is so against helping there customers with any issues that has been to there accounts .. I don't understand how they have no interest in helping there customers... They can have all proof of transaction that you did not authorize and still denied I have about 3 thousand of fraud with proof and still have not got any of my issues resolved
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Los Nml

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Stolen pay check

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I never received my last payment from Murphy's USA using this *** app. I was told that they closed my account, and by doing so, I lost my take-home pay.

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Cons:
  • Terrible app

Preferred solution: Apology

Tashika Aos

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Change phone number

It's been a week and I need my number changed I'm locked out of my account I can't access my money because I don't know longer have the phone number associated with there every time I call they keep telling me that it'll be rectified by the evening and now when I'm calling they just keep hanging up on me

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Dayshon Ing

No access to oayacti

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Was hey babe was going to be pissed shortly it is now 7:51 p.m. and still not working from Saturday.

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Rachel T Aiu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Unable to get a resolution or my money

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I have contacted this company several times a day for the last six days due to issues with a debit card that I have not received and an inability to access my direct deposit money. I have been lied to, hung up on, and transferred to twenty different departments.

Now, I am being told that they cannot tell me what the issue is or the time frame for its resolution.

I have incurred overdraft fees for my account and past-due fees for bills. The response from the agents, lies, and excuses, is fraud, and I am filing a complaint and a lawsuit against this company today.

View full review
Loss:
$500
Cons:
  • Fraud
  • Lies

Preferred solution: Full refund

Angel C Qqf

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer

To have my money released after 1 and half years

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Contains 2 confidential files for company representatives

There was a dispute on my account a year and a half ago in November of 2022 there are 61 on my old card ending in 4577 we sent emails with a paperwork from my daughter's email because my phone was messed up we went to the PNC Bank in Beech Grove Indiana and they emailed you that it had been resolved I want this money released now to my new card ending in 5001 I'm not sure what the holdup is

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Loss:
$61

Preferred solution: Full refund

Sonia T Goe

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Transactions

I have filled a dispute month go I been calling trying to get a hold of someone I just been getting a run never received a phone like I was told

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Lindsay B Deo

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Trying to get my account updated

The number given by pissed was Disconnected, so basically got the same outcome as reaching someone at the actual published phone number.

I highly recommend selling your soul to the devil before using payactiv

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Cons:
  • All con

Preferred solution: Either app needs to work as it is supposed to, OR CUSTOMER SERVICE KNEW WTF THEY WERE DOING

User's recommendation: Sell your soul first!

Monique S Jod

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Can't update my time

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PayActiv - Can't update my time

I worked Sunday night I use the system every day I work which now is a new pay period. I waited in line 2 hours just for nothing.

I have no cigarettes and I have been up all night with this. No matter what your system has to change for hard workers like myself. Today being a new pay period really shouldn't matter because you are open 24/7 so no matter what I should always be able to access my hours work period. No one has time to waste waiting for something they will never get.

It's 4 th of July weekend and I'm currently broke until Thursday when I get my paycheck. Like I said before I use the system every day for almost 2 years and Sunday is always an issue. How do you expect someone to put their time in before the next day if I have to wait 2-3 hours to do it and it becomes the next pay period before I talk to someone? Plus I either get kicked off the system and have to start over or get hung up on by Samuel because By this point Im frustrated.

This is more than unfair to me because I work very hard for every dime. Please fix your system so your call volume can go down because I know Im not the only one

View full review
Loss:
$47
Pros:
  • Sometimes you can get your pay every day
Cons:
  • Cant access anything after midnight sunday or anytime

Preferred solution: Full refund

User's recommendation: Don't use this service it's a waste of time. Access 24/7 is a lie

Angelmarie C

Policy disregard

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PayActiv - Policy disregard
PayActiv - Policy disregard - Image 2
PayActiv - Policy disregard - Image 3
PayActiv - Policy disregard - Image 4

Payactivs policy states we should only be able to access UP TO 50% of our earned wages. How then, out of the $383 I've made within my pay period, have I accessed $320?

That's a good question right? Well apparently no one can answer it. When I called (and chatted) with customer service. They both just said "your account has been updated.

Everything is fine." And the person over the phone call very rudely mentioned "well, I mean you could've been given access to LESS than the 50% standard" that is not the point? That point is that your policy (basically) says "you can ONLY access UP to 50% of your earned wages per pay period.

Yet here I am with access to almost 97% and now unable to access anything until they decide to readjust my information. Which could be any time between now and next month (apparently) this service is absolute ***

View full review
Pros:
  • Early access to funds
  • Savings on uber
  • Insurance and others
Cons:
  • Contact reliability is ass
  • Hr is ass
  • Whole this is a sham

Preferred solution: Apology

User's recommendation: Not worth it.

Anonymous
map-marker Chicago, Illinois

Deposit statements

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I need the statements containing every deposit with payactive. From the time i started an account with payactive to the present time, emailed as soon as possible

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Michelle S Fpu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

My account

I cannot log into my account no more cuz my phone number that I was using keep sending verification code to that number and I don't have the number anymore I don't know how to read through the number to do my new number

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Preferred solution: I need to update my account so I can use my pay active

felicia m Pgm

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I cannot access my account

I cannot login to my account nor call customer service I've called several times still no answer so can someone please give me a call

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Naomi G Uwt

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I can't get a code to my number

My phone number has changed I cannot get a code to the old number to log into use my money please ok

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Preferred solution: Into my account

Victoria J Rsj

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Mobile app

Everytime I login into my account its asking for a code that they send to a phone number that I dont have access to anymore

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Preferred solution: Update my phone number

Anonymous
map-marker Flower Mound, Texas

Need to. Talk with someone

I haven't been unable to use my card for about a week. I haven't been able to speak with anyone to resolve my issues ont d

View full review

User's recommendation: No help

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