# Payactiv vs TipForge

The clearest difference is in-app purchases: Payactiv at none against TipForge's 1. Payactiv also leads on chart position (#121 vs unranked) and iOS requirement (14.0 vs 17.6). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. TipForge sells 1 one-off in-app purchase. Payactiv asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 30, 2026 and September 19, 2026 respectively.

## The numbers

| Metric | Payactiv | TipForge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (78K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews)** | — |
| Number of ratings | **78K** | — |
| Positive reviews | 35.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | — |
| Best chart rank | **#121** | — |
| Size | 47 MB | 6 MB |
| Requires iOS | **14.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [Chad Kanera](https://appshunter.io/developer/6778218222) |

## What reviewers say

### Payactiv

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

**Currently charting:** #121 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


### TipForge

[App page](https://appshunter.io/ios/app/tipforge-tip-calculator/id6778218220)

**Features:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| TipForge Lifetime Unlock | $4.99 | one-time |


## Frequently asked questions

### Is Payactiv free?

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

### Is TipForge free?

TipForge is free to download, with in-app purchases available.

### Do Payactiv or TipForge have ads?

Neither Payactiv nor TipForge shows ads.

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

Payactiv ships an update every 2 months, and TipForge every 2 months. Most recently, Payactiv was updated on September 30, 2026 and TipForge on September 19, 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.*