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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 reviews with widespread dissatisfaction, frequent reports of outages and account access failures, complaints about billing and refund requests, and praise only for early access to earned wages.

Key Takeaways for Future Customers

  • Check PayActiv reviews and employer setup before relying on instant payroll access.
  • Expect potential delays in customer service when disputing charges or requesting a refund.
  • Use caution if you depend on 24/7 app access for pay or cards.

Negative Feedback / Risk Areas

  • Repeated complaints about poor customer service and unresponsive support.
  • Frequent account lockouts and verification code issues after phone changes.
  • Allegations of incorrect deductions, billing errors, and denied fraud refunds.

Positive Feedback

Customers note PayActiv’s convenience as an on-demand pay service that can advance funds and provide early access to earned wages.

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
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Veronica D Icr

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
| map-marker Oklahoma City, Oklahoma

I am not satisfied with answers l am getting just do not add up

I am not satisfied with the answer they their giving the problem to it when it not a it problem l am going to let it go it just not worth it.

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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

AI Highlights
  • - Charged multiple times; proof shown to PayActive was denied.
  • - About $3,000 in unauthorized transactions; ongoing issues unresolved.
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.

Cons:
  • Terrible app

Preferred solution: Apology

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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

AI Highlights
  • - It's been a week; I need my number changed and I'm locked out.
  • - I can't access money because I no longer have the phone number on the account.

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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AI Highlights
  • - Debit card not received; direct deposit access unavailable.
  • - Service issues: conflicting answers and transfers; overdraft fees; filing complaint.

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.

Loss:
$500
Cons:
  • Lies
  • Fraud

Preferred solution: Full refund

View full review
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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AI Highlights
  • - Dispute on old card 4577 in Nov 2022.
  • - Paperwork sent from daughter's email.
  • - Please release funds to new card ending 5001.
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

Loss:
$61

Preferred solution: Full refund

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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

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

AI Highlights
  • - The number given was disconnected, giving the same result as the published number.
  • - Strongly advises against using PayActiv.

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

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!

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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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AI Highlights
  • - I waited 2 hours in line with no result.
  • - System issues persist on Sundays and affect pay.
  • - Im frustrated by long waits and being hung up on by Samuel.
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

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

View full review
Angelmarie C

Policy disregard

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AI Highlights
  • - Policy allows up to 50% of earned wages per pay period.
  • - Accessed $320 of $383 earned.
  • - Customer service said account updated; no further details.
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 ***

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

Preferred solution: Apology

User's recommendation: Not worth it.

View full review
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

AI Highlights
  • - I cannot log into my account because verification codes go to my old phone number.
  • - I don't have access to the old number and need to switch to a new one.

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

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

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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

Preferred solution: Into my account

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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

Preferred solution: Update my phone number

View full review

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