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Skipify

Skipify

Commerce Identity Network

VS

Payactiv

Earned Wage Access

Payactiv
Fees from
Per-transaction pricing vs $5 per transfer or employer-sponsored
Features

0 shared

1 unique to Skipify · 1 unique to Payactiv
Regions

1 shared

Pay methods

0 shared

2 unique to Skipify · 3 unique to Payactiv
On region

Both cover 1 regions. Verify directly with each provider before signing.

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Show full specs
2 features · 5 payment methods · 1 regions. We don't rank these — they're here for reference.
Skipify Skipify
Payactiv Payactiv
Quick Facts
Fees
Standard transaction rate
Per-transaction pricing
$5 per transfer or employer-sponsored
Settlement
Time to receive funds
—
Instant
Founded
2019
2012
Headquarters
Detroit, Michigan
Annapolis, Maryland
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Enterprise Unique
✓
—
Instant Payout Unique
—
✓
Payment Methods
Payactiv leads (3 vs 2)
Ach Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Direct Deposit Unique
—
✓
Visa Unique
—
✓
Regions
North America
✓
✓

Skipify is best when you...

Commerce Identity Network
Need Enterprise
Not available with Payactiv
View Skipify

Payactiv is best when you...

Earned Wage Access
Need Instant Payout
Not available with Skipify
View Payactiv

Frequently Asked Questions

What is the difference between Skipify and Payactiv?
They share 0 payment methods and 1 region. Skipify adds Credit Card, Debit Card that Payactiv does not list; Payactiv adds ACH, Direct Deposit, Visa that Skipify does not list; only Skipify offers Enterprise; only Payactiv offers Instant Payout.
Which is cheaper, Skipify or Payactiv?
Skipify has published rates from Per-transaction pricing; Payactiv has published rates from $5 per transfer or employer-sponsored. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Skipify and Payactiv?
Skipify lists 1 region and 2 payment methods; Payactiv lists 1 and 3. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Skipify and Payactiv compare on integration and settlement?
Skipify offers a sandbox, Payactiv does not list one; Skipify supports webhooks; Payactiv publishes a settlement time of Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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