Side-by-Side Comparison
| Metric | Cappy | Payactiv |
|---|---|---|
| Founded | ||
| Founded | 2020 | 2012 older |
| Headquarters | ||
| Headquarters | Gothenburg, Sweden | San Jose, United States |
| Employees | ||
| Employees | 16 | 368 larger |
| Industry | ||
| Industry | Financial Services, Fintech, Human Resources | Finance, Financial Services, Fintech |
| Funding Stage | ||
| Funding Stage | Pre-Seed | Series C |
| Total Funding | ||
| Total Funding | $6.18M | $133.70M |
| Funding Rounds | ||
| Funding Rounds | 1 | 6 |
| Services | ||
| Services | Workforce management and scheduling solutions, Payroll automation and on-demand pay app, Financial flexibility and budgeting tools | On-Demand Pay, Earned Wage Access Framework, Digital Wallet App, Payactiv Visa Card, Financial Counseling, Exclusive Discounts |
| Target Customers | ||
| Target Customers | Employers, Businesses, Human resources departments | Employees, Employers, HR Managers, Payroll Managers, Retail Sector |
| Taxonomy | ||
| Taxonomy | Flexible PayEmployee BenefitsIncome SmoothingProductivityWagesOn-demand Pay +4 | Earned Wage AccessEmployee Financial HealthFinancial WellnessIncome SmoothingHRTechFinTech +9 |
| Website | ||
| Website | cappy.se | payactiv.com |
About Cappy
Cappy is a Swedish startup established in 2020, focusing on Financial Services, Fintech, and Human Resources. The company's slogan, "Your pay without the wait. Just like it should be," encapsulates its core offering. Cappy partners with employers to introduce flexible pay, enabling employees to acce...
About Payactiv
Payactiv, founded in 2012, is a leading player in the Fintech sector, effectively addressing financial stress among employees through its innovative Earned Wage Access solutions. With the slogan, "The Leader in Earned Wage Access," the company focuses on enhancing employee financial health by provid...
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Compiled from the BounceWatch company index. We last looked at Cappy on 14 Apr 2025, and Payactiv on 15 Oct 2025. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.
