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SPECIFICTION
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Payflow

payflow.es

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Spec score 7.3 #8 of 16 in Earned Wage Access Software

What it is

Payflow is a financial wellbeing app for employees, combining access to accrued salary with flexible compensation, financial education and employee benefits. Employees may draw on part of their salary during the month, within limits their employer sets. Use requires an employer subscription and platform access; Payflow says earned wage access and its listed benefits are free for employees. Flexflow covers meals, public transport, childcare, training and medical insurance. The app also includes interactive lessons on financial habits and a catalog of employee benefits and discounts. HR teams use a web panel to review employee changes, configure limits, inspect transactions and monitor usage. Payflow says it connects to more than 60 HR and payroll systems and offers an API for employee updates and payroll transaction retrieval. The service lists Android, iOS, web and API access. Pricing is available on request. Payflow says implementation takes 3–4 weeks and advertises 24/7 customer service. It reports ISO 27001 and medium-category ENS certifications, EU-based AWS data centers, and 99% monthly availability under its SLA.

Spec sheet

Product
Payflow describes itself as a financial wellbeing app that gives employees access to earned wages and flexible compensation in one mobile app.Read 4 Oct 2026 · payflow.es
API
Payflow documents a public API for automating employee updates and retrieving transactions for payroll.Read 3 Oct 2026 · docs.payflow.es
Integrations
Payflow says it integrates with more than 60 HR and payroll systems.Read 4 Oct 2026 · payflow.es
Security
Payflow says it holds AENOR ISO 27001 certification and medium-category Spanish National Security Framework conformity certification, has a DPO registered with the AEPD, and operates servers in the EU.Read 4 Oct 2026 · payflow.es
Support
The product page advertises 24/7 customer service, while the user help center offers WhatsApp support and FAQs.Read 4 Oct 2026 · payflow.es
Headquarters
Madrid, SpainRead 28 Sep 2026 · payflow.es
Founded
2020Read 28 Sep 2026 · payflow.es
Company
Payflow says it was founded in March 2020 and lists Barcelona and Madrid as its two cities.Read 4 Oct 2026 · payflow.es
Availability and eligibility
The app listing says employees can use Payflow only after their employer subscribes and grants them platform access.Read 3 Oct 2026 · play.google.com
Benefits catalog
The app includes a catalog of exclusive employee benefits and discounts.Read 4 Oct 2026 · payflow.es
Company history
Payflow says it was founded in March 2020 to help workers improve their working lives.Read 3 Oct 2026 · payflow.es
Data protection
Payflow says it has a DPO registered with Spain’s AEPD and stores its services in AWS data centers located in the EU.Read 3 Oct 2026 · payflow.es
Earned wage access
Employees can access their accrued salary instantly at any time during the month and may advance part of their extra pay.Read 4 Oct 2026 · payflow.es
Employee cost
The site says its salary access, flexible compensation and financial education benefits are free for employees.Read 4 Oct 2026 · payflow.es
Employer administration
Employers manage Payflow and Flexflow through a cloud platform.Read 4 Oct 2026 · payflow.es
Financial education
The product includes an interactive financial education platform with lessons about personal finance habits.Read 4 Oct 2026 · payflow.es
Flexible compensation
Employees can use a card to save on meals and public transport and access benefits such as childcare and training.Read 4 Oct 2026 · payflow.es
Implementation
The product page says implementation takes 3–4 weeks and that Payflow develops the payroll integration with the customer.Read 4 Oct 2026 · payflow.es
Security certification
Payflow says AENOR certifies it to ISO 27001 and that it holds ENS conformity certification at medium category.Read 3 Oct 2026 · payflow.es
Security controls
The product page says its AWS servers use DDoS and WAF protection, its database information is encrypted, and its security audits use Detectify.Read 4 Oct 2026 · payflow.es
Service availability
Payflow’s SLA states 99% monthly availability for the employee app, company administration dashboard, and public integration API.Read 3 Oct 2026 · payflow.es
Target companies
Payflow says companies with workforces from 20 to 100,000 employees have implemented it.Read 4 Oct 2026 · payflow.es
Who it serves
Payflow says employers with workforces from 20 to 100,000 employees have implemented the service.Read 3 Oct 2026 · payflow.es

Strong points and limits

Strong points

  • Free earned wage access and listed benefits for employees
  • Flexflow includes five benefit categories
  • Connects to more than 60 HR and payroll systems
  • Public API supports employee updates and payroll transactions
  • Available on Android, iOS and web

Limits

  • Employees need an employer subscription and access
  • Employers must request pricing
  • Implementation is listed at 3–4 weeks

Who it suits

Payflow is for employers seeking wage access, flexible benefits and financial education for their employees. Its stated customer workforce range is 20 to 100,000 employees.

Verdict

Payflow combines employer-controlled earned wage access with flexible benefits and employee financial education. Employers should note that pricing is on request and employees can use it only through a subscribing employer.

Where Specifiction places it

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