# Payactiv vs medZERO

The clearest difference is review sentiment: medZERO at 100% against Payactiv's 36%. medZERO also leads on update cadence (fortnightly vs every 2 months) and rating (5.0 vs 4.7). Payactiv's advantage is ratings volume (78K vs 6) and chart position (#165 vs unranked). On price, ads, in-app purchases and monetization model there is nothing between them.

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

medZERO holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Payactiv has 78K ratings behind it against 6, 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 100% of medZERO's.

Payactiv ships an update every 2 months, medZERO fortnightly. The most recent releases landed on October 13, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Payactiv | medZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (78K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/medzero/id1596864661/reviews)** |
| Number of ratings | **78K** | 6 |
| Positive reviews | 35.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | **#165** | — |
| Size | 47 MB | 26 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [medZERO, Inc.](https://appshunter.io/developer/1595190478) |

## What reviewers say

### Payactiv

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

**Currently charting:** #165 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


### medZERO

[App page](https://appshunter.io/ios/app/medzero/id1596864661)

Access funds instantly to cover out-of-pocket healthcare costs over time. Enjoy zero interest and zero fees on eligible expenses like glasses or past medical bills. Enrollment takes under 5 minutes.

**Highlights:** On-demand access to funds, Pay for healthcare expenses over time, Zero interest financing, Zero fees, Quick enrollment (under 5 minutes), Account information at your fingertips

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payactiv free?

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

### Is medZERO free?

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

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

medZERO is rated higher. Payactiv averages 4.7 out of 5 from 78K ratings, while medZERO averages 5.0 from 6 ratings.

### Do Payactiv or medZERO have ads?

Neither Payactiv nor medZERO shows ads.

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

Payactiv ships an update every 2 months, and medZERO fortnightly. Most recently, Payactiv was updated on October 13, 2026 and medZERO on October 7, 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.*