# Payactiv vs ImmediatePay

Payactiv and ImmediatePay both sit at 4.7 stars, but that hides the real split: 56% of ImmediatePay's written reviews are positive against 36% of Payactiv's. ImmediatePay also leads on update cadence (every 3 weeks vs every 2 months). Payactiv's advantage is ratings volume (78K vs 7.9K) and chart position (#154 vs unranked). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ImmediatePay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Payactiv has 78K ratings behind it against 7.9K, so its average is the more settled of the two. Written reviews point the same way: 36% of Payactiv's written reviews are positive against 56% of ImmediatePay's.

Payactiv ships an update every 2 months, ImmediatePay every 3 weeks. Both last shipped on October 14, 2026.

## The numbers

| Metric | Payactiv | ImmediatePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (78K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews) | **[4.9 (7.9K ratings)](https://appshunter.io/ios/app/immediatepay/id1469028887/reviews)** |
| Number of ratings | **78K** | 7.9K |
| Positive reviews | 35.8% of reviews | **56.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Best chart rank | **#154** | — |
| Size | 47 MB | 74 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [Immediate Solutions](https://appshunter.io/developer/1469028886) |

## What reviewers say

### Payactiv

[App page](https://appshunter.io/ios/app/payactiv/id792617775)

**Currently charting:** #154 Top Free · Finance (US App Store)

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

**Highlights:** Early access to wages, Government payment early access, Spending and saving tools, Low balance alerts, Payactiv Visa Card, Integrated bill pay, Touchless payments

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick access to money
- 👍 Convenient feature
- 🚀 Easy to use
- 🚀 Helpful in emergencies
- 👍 Wonderful app

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🐛 Hours/funds not updating properly
- 🔒 Security and login issues
- 💩 Poor customer service
- 💰 High fees

**Reported bugs**

- App not loading or logging in
- Funds disappearing or not updating
- Issues linking bank accounts and cards

**Requested features**

- Same-day access to funds
- Reduce withdrawal fees
- Improve app stability and reliability
- Better customer support


### ImmediatePay

[App page](https://appshunter.io/ios/app/immediatepay/id1469028887)

Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.

**Highlights:** Access earned wages between paydays, Instant fund transfers, Financial wellness tools, Expert financial coaching, Financial health assessments, Educational articles and calculators, Prescription savings

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds

**What reviewers complain about**

- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use

**Reported bugs**

- Login issues
- Inconsistent fund availability
- Debit card registration problems

**Requested features**

- Faster payouts
- Improved customer support
- Clearer communication on processing times


## Frequently asked questions

### Is Payactiv free?

Payactiv is free to download, with no in-app purchases.

### Is ImmediatePay free?

ImmediatePay is free to download, with no in-app purchases.

### Which has better reviews, Payactiv or ImmediatePay?

ImmediatePay is rated higher. Payactiv averages 4.7 out of 5 from 78K ratings, while ImmediatePay averages 4.9 from 7.9K ratings.

### Do Payactiv or ImmediatePay have ads?

Neither Payactiv nor ImmediatePay shows ads.

### Which is updated more often, Payactiv or ImmediatePay?

Payactiv ships an update every 2 months, and ImmediatePay every 3 weeks. Most recently, Payactiv was updated on October 14, 2026 and ImmediatePay on October 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*