Payactiv vs EarnIn
One of fourteen models named Payactiv first on the direct prompt; zero named EarnIn. Both were named by all fourteen models and Payactiv carries 51 labels and EarnIn 31, so the shares are not directly comparable.
Named in two categories this edition.
Named in three categories this edition.
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the earned wage access page.
By framing
PayactivFirst choices, of fourteen modelsEarnIn
Across every category in the October 2026 Edition, Payactiv and EarnIn were named in the same answer sixty-three times, of the 192 answers naming Payactiv and the 89 naming EarnIn. In those answers EarnIn took the first choice one time and Payactiv nine.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | | | ||
| GPT-5.4 mini | | | | | ||
| Gemini 3.5 Flash | | | | | ||
| Perplexity Sonar | | |||||
| Grok 4.1 Fast | | | | | | |
| Mistral Small | | | ||||
| DeepSeek V4 Flash | | | | | ||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | | | | ||
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | | | |||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | | | | | | |
| Muse Glimmer 30B | | |
Payactiv EarnIn first choice named as an alternative argued againstblank: not namedEach cell is one answer, Payactiv on the left and EarnIn on the right.The direct prompt
Payactiv first, EarnIn not the choice
1 of 14 modelsEarnIn was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
9 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
4 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
Payactiv4%#4 of 10EarnIn4%#7 of 10Payactiv5%#2 of 9EarnIn0%#9 of 9What the models said about Payactiv
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“A long-standing player in the space that faces criticism for aggressive collection tactics on debts.” Qwen 3.7 Flash · negative prompt · hard negative
“exercise extreme caution with: EarnIn, MoneyLion, DailyPay, Empower, and PayActiv” DeepSeek V4 Flash · negative prompt · hard negative
“Avoid enterprise-focused ones like DailyPay or Payactiv if budget-tight” Grok 4.1 Fast · budget prompt · hard negative
“Start with Payactiv or Tapcheck for mid-market B2B—they balance cost, reviews, and fit without enterprise complexity.” Grok 4.1 Fast · direct prompt · first choice
“stick with employer‑integrated options (e.g., DailyPay, Payactiv, Branch Core)” MiniMax M2.5 · negative prompt · first choice
“such as DailyPay or Payactiv), it is generally safer than direct-to-consumer apps” Gemini 3.5 Flash · negative prompt · first choice
What the models said about EarnIn
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Weiser v. Activehours, Inc. d/b/a EarnIn is a Colorado state enforcement action alleging that EarnIn's "Cash Out" product is an unlawful, app-based payday loan” Muse Glimmer 30B · negative prompt · hard negative
“Providers to avoid or use only with extreme caution ... EarnIn (ActiveHours, Inc.) | • Alleged 300 %+ APR” MiniMax M2.5 · negative prompt · hard negative
“the primary provider to be cautious about—and arguably avoid if possible—is Earnin” GLM 4.7 FlashX · negative prompt · hard negative
“EarnIn is the strongest budget-oriented choice because it says it has no cost or risk to the business” GPT-5.4 mini · budget prompt · first choice
“Earnin is the best budget option” Perplexity Sonar · budget prompt · first choice
“Another option is Earnin, which allows employees to download the app and link it to their personal bank account without any employer involvement” Mistral Small · budget prompt · alternative
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.