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It's a split decision.
Choose DailyPay when employer-side payroll/HCM integration, implementation support, and access to up to 100% of available earnings matter; its listed standard transfer is free but takes 1–3 business days, while instant-transfer charges are listed at $3.49 or $3.99, depending on transfer type and employer contract. Choose Payactiv for payroll cards, off-cycle pay, tips and mileage, plus APIs; free options include 1–3-day ACH. Neither publishes subscription pricing, so compare transfer charges and eligibility before choosing.
01Side by side
| DailyPay | Payactiv | |
|---|---|---|
| Starting price | No monthly fee; annual price not published | Subscription price not published; transaction fees apply |
| Free plan | Yes; $0 account and standard 1–3-day transfers | Yes; free ACH and other qualifying options |
| Best for | Employers wanting wage access with payroll/HCM support | Employers needing cards, off-cycle pay, tips, mileage |
| Core strength | Access up to 100% of available earnings | Wage access plus broader payment tools and APIs |
| Learning curve | Not published | Not published |
| Integrations/data | Payroll/HCM integration; setup and adoption support | APIs and developer kits for platform integrations |
| Team/seat costs | No employer implementation fee; employee transfer fees may apply | No team or seat pricing published; transaction fees vary |
| Support | Setup, launch, activation, and training support | Support details not published |
DailyPay Choose DailyPay if
- Choose DailyPay if you need payroll/HCM integration and launch support.
- Choose DailyPay if employees need access up to 100% of available earnings.
- Choose DailyPay if $0 employer implementation matters.
Payactiv Choose Payactiv if
- Choose Payactiv if you need payroll cards, off-cycle pay, tips, or mileage.
- Choose Payactiv if free ACH or instant Amazon load fits.
- Choose Payactiv if you need APIs and developer kits.
02Pricing compared
Neither company publishes a monthly or annual subscription price, so the cost comparison comes down to transfer fees and eligibility. DailyPay lists a $0 account, $0 standard 1–3 business-day transfer, and access to up to 100% of available earnings, capped at $1,000 in transfers per day. Instant transfer is listed at $3.49, with the fee determined by the employer contract; an outgoing card or instant transfer is also listed at $3.99. Check which charge applies to the transfer your employees will use.
Payactiv lists free 1–3 business-day ACH, free instant Amazon loads, and free Payactiv Card transfers for employees with qualifying direct deposits of $200 or more per pay period. Other listed transfer fees range from $2.49 to $3.49. Compare the actual transfer routes and eligibility rules before choosing.
03Features and depth
Both products offer access to wages employees have already earned and financial tools. DailyPay’s emphasis is employer integration and employee rollout: it is designed to work with existing payroll and HCM systems, and its support includes technical setup, launch, employee activation, and training. The published product information also describes security and reliability measures, but does not give detailed security specifications.
Payactiv covers a wider set of payment workflows in the published feature list. Alongside earned wage access and financial wellness, it supports payroll cards, off-cycle pay, tips and mileage payments, and APIs and developer kits for platforms adding financial services. That breadth may matter if the goal is more than employee wage access. DailyPay’s listed employee access reaches up to 100% of available earnings; the published Payactiv pricing details do not state an equivalent percentage. Compare the specific payroll, card, and payment workflows you need rather than treating the products as interchangeable.
04Ease of use and learning curve
DailyPay says it integrates with existing payroll and HCM systems with minimal disruption, and its support covers setup, launch, activation, and training. The pricing details also list $0 employer implementation. Those are useful signals for employers planning a rollout, but the published information does not specify setup time or which integrations are available for a particular payroll system.
Payactiv offers more payment routes, including cards, off-cycle payments, tips, mileage, and platform APIs. Employers should confirm which of those they need and how each is configured. For either product, employees’ costs and timing depend on the transfer method and eligibility. Ask for a workflow-specific implementation plan and employee fee schedule before signing.
Questions people ask
Which DailyPay apps work with Paycom?
The published DailyPay information says the product is designed to integrate with existing payroll and HCM systems, but it does not name Paycom or list compatible apps. We can’t confirm a specific Paycom integration from these details. Ask DailyPay and your Paycom representative which integration and setup are available for your employer.
How does DailyPay work?
DailyPay lets employees access wages they have already earned through an employer program. The listed account includes up to 100% of available earnings, with transfers capped at $1,000 per day. Standard transfers take 1–3 business days and are listed at $0; instant transfer fees may apply.
Does Payactiv cost anything?
Payactiv does not list a monthly or annual subscription price in the published pricing details. Some employee options are free, including 1–3 business-day ACH and certain transfers with qualifying direct deposits. Other transfer methods have fees, so check the route and eligibility before using or offering the service.
What is the phone number for DailyPay customer support?
The published DailyPay information does not publish a customer-support phone number. It describes support for employer setup, launch, employee activation, and training, but does not give contact details. Check DailyPay’s official support or contact page for the current number rather than relying on an unverified listing.