# Payactiv vs Certus WM

The clearest difference is ratings volume: Payactiv at 84K against Certus WM's 1. Payactiv also leads on chart position (#184 vs unranked) and update cadence (every 2 months vs every 5 months). Certus WM's advantage is rating (5.0 vs 4.7) and iOS requirement (15.6 vs 18.0). 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.

Certus WM holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Payactiv has 84K ratings behind it against 1, so its average is the more settled of the two.

Payactiv ships an update every 2 months, Certus WM every 5 months. The most recent releases landed on October 18, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Payactiv | Certus WM |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (84K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/certus-wm/id6443831910/reviews)** |
| Number of ratings | **84K** | 1 |
| Positive reviews | 35.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 5 months |
| Monetization | Free | Free |
| Best chart rank | **#184** | — |
| Size | 47 MB | 53 MB |
| Requires iOS | 18.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [Certus Wealth Management, LLC](https://appshunter.io/developer/1649763774) |

## What reviewers say

### Payactiv

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

**Currently charting:** #184 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, Vision Pro support

**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


### Certus WM

[App page](https://appshunter.io/ios/app/certus-wm/id6443831910)

Access your financial account details, including balances and asset allocation. Connect with your financial advisor directly through the app for seamless communication.

**Highlights:** View account information, Check balances, See asset allocation, Contact advisor, Secure access

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payactiv free?

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

### Is Certus WM free?

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

### Which has better reviews, Payactiv or Certus WM?

Certus WM is rated higher. Payactiv averages 4.7 out of 5 from 84K ratings, while Certus WM averages 5.0 from 1 ratings.

### Do Payactiv or Certus WM have ads?

Neither Payactiv nor Certus WM shows ads.

### Which is updated more often, Payactiv or Certus WM?

Payactiv ships an update every 2 months, and Certus WM every 5 months. Most recently, Payactiv was updated on October 18, 2026 and Certus WM on October 16, 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.*