HR AI Index
Index Vendors › Payactiv · September 2026 Edition
1 category · Ranked

Payactiv

115Judge labels
12First choices
10Negative labels
12 of 12Models named it
1Category
September 2026 Edition. Every number here is derived from the raw labels under vendor table vv2026-09.1, every buyer segment counted.
Best standing
17% in Earned wage access for enterprise buyers
Rank 4 of 61 in the mid-market standingaccepted challenger
0 of 12 models made it the first choice on the direct prompt; 10% of its 39 labels there were negative.
By buyer segmentStrongest at enterprise.
In earned wage access · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Payactiv for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
CategoryFunctionShareRankNegative rateLabelsQuadrant
Earned wage accessCompensation and total rewards7%4 of 6110%39accepted challenger

Movement

This is the first edition on this tier, so no move can be computed for Payactiv yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated Payactiv across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.
ModelFirst choiceAlternativeMentionNegativeLabels
Claude Haiku 4.511103
GPT-5.4 mini20103
Gemini 3.5 Flash12003
Perplexity Sonar01001
Grok 4.1 Fast12036
Mistral Small04105
DeepSeek V4 Flash11103
Llama 4 Maverick01001
Qwen 3.7 Flash01001
Kimi K213105
GLM 4.7 FlashX03115
MiniMax M2.512003

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct22 labels2
Paraphrase17 labels2
Comparative33 labels7not counted in share
Budget-constrained20 labels6
Scale-constrained8 labels2
Negative15 labels7not counted in share
First choiceAlternativeMentionNegative115 labels in all, every segment counted; 12 of the 26 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“1. Payactiv - It's a zero-cost benefit that requires no change to cash flow. Payactiv is the only EWA provider to provide 5 free options” Claude Haiku 4.5 · Earned wage access · budget prompt · first choice
“I'd generally recommend Payactiv as the safer default choice for an employer-sponsored on-demand pay benefit” GPT-5.4 mini · Earned wage access · paraphrase prompt · first choice
“For most large U.S. employers, DailyPay or PayActiv offer the most robust, scalable solutions” MiniMax M2.5 · Earned wage access · comparative prompt · first choice
“If your goal is lowest employer cost, I’d start with Payactiv or DailyPay.” GPT-5.4 mini · Earned wage access · budget prompt · first choice

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Verdict: Proceed with Caution. ... the 2025 data breach and previous regulatory disputes should be factored into your decision.” GLM 4.7 FlashX · Earned wage access · negative prompt · soft negative
“BBB/CFPB logs (2022\u20132024) cite overdrafts, incorrect debits, poor support (e.g., DailyPay, Payactiv in samples)” Grok 4.1 Fast · Earned wage access · negative prompt · soft negative
“Payactiv and DailyPay are also employer-free in many cases but may require more integration for smaller firms” Grok 4.1 Fast · Earned wage access · budget prompt · soft negative
“Providers like DailyPay or Payactiv lean toward enterprises (500+ employees) with higher volumes” Grok 4.1 Fast · Earned wage access · paraphrase prompt · soft negative

Named alongside

The products named in the same answers as Payactiv, over the 115 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Payactiv was named but was not.
ProductSame answerTook the first choice insteadHead to head
DailyPay96 of 11532Not in the top three
Tapcheck59 of 11518Not in the top three
ZayZoon58 of 11521Not in the top three
Branch52 of 1150Not in the top three
Rain51 of 1156Not in the top three
EarnIn46 of 1150Not in the top three
Chime Workplace33 of 1152Not in the top three
Immediate22 of 1150Not in the top three
Clair20 of 1153Not in the top three
Dave15 of 1150Not in the top three
A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Payactiv. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 102 of the 115 answers that named Payactiv and are not a share of its labels.

Domains cited

enterprise.chime.com82
guideflow.com55
g2.com50
hrtechsaas.com50
fintechspecs.com46
juicefin.com44
us.fitgap.com44
pickmysoft.com42
best-earned-wage-access-providers-usa.lovable.app39
dailypay.com37

489 of the 489 domain citations in answers naming Payactiv came from somebody else's page.

Pages cited

Pages are listed as the models cited them.

Names read as Payactiv

What the judge wrote, as written, with how often. The vendor table decides that these count as Payactiv; a claim can dispute any of them.
PayActiv 4
Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Payactiv's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Payactiv, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at payactiv.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.

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