Immediate vs Refyne
Immediate
joinimmediate.comRefyne
refyne.co.inSide by side
| Figure | Immediate | Refyne |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Earned Wage Access Software | 7.9 (#5) | 7.1 (#11) |
| Fees | Immediate says it charges no interest and describes early wage access as having a small, nominal flat fee; it also says access through merchant cards, paycard, and next-day ACH is free. | Refyne says employers can offer the benefits at no cost, while employees pay an upfront transaction fee when accessing funds; the number of withdrawals can be set by the employer. |
| Founded | 2019 | 2021 |
| Headquarters | Birmingham, Alabama, United States | Bengaluru, Karnataka, India |
| Integrations | The marketplace lists payroll systems including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro. | Refyne supports automated API integrations and can use employer, employee, salary, and attendance information for eligibility and salary calculations. |
| Product | ImmediatePay lets eligible employees access earned pay between paydays through an employer-provided benefit. | Refyne describes itself as a financial wellness suite offering employees salary access, financial education, and tools for long-term financial planning. |
| Security | Immediate says it uses physical, technological, and organizational measures to protect personal information, and its cashless tips page says personal data is encrypted at rest and in transit. | Refyne states that it is ISO 27001 and SOC 2 certified, encrypts data at rest and in transit, and has a dedicated InfoSec team. |
| Support | Immediate lists support by chat, email, and phone, with support hours Monday through Friday, 24 hours a day. | The FAQ says partner organizations receive a dedicated Key Account Manager providing 24×7 support. |
Plans
In their own words
Immediate
ImmediatePay is an employer-provided benefit that lets eligible employees access earned pay between paydays. Employees can view available earnings in the app and transfer funds to a bank account or debit card. Immediate says debit-card transfers may arrive in as little as 30 minutes, while ACH timing depends on the bank’s operating hours. It charges no interest and describes early wage access as having a small, nominal flat fee; access through merchant cards, paycard, and next-day ACH is free. Employers can offer cashless tips through their existing payroll process and push off-cycle payments for corrections, bonuses, rewards, tips, and termination pay. Those payments are reconciled against the next regular check date. Immediate lists payroll integrations including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro, and says most new integrations can be completed in as little as two weeks. The service is available on Android, iOS, and web. Employees need an invitation and unique enrollment code from a participating employer to use ImmediatePay. The employer plan is listed as free, with no long-term contracts stated.
Refyne
Refyne is an employee financial wellness suite that combines access to accrued salary, financial education, and planning tools. Salary On-Demand lets employees withdraw earned pay before payday; short-term withdrawals come out of that month’s payroll and carry an upfront slab-based transaction fee, but the fee amount is not published. Refyne says access can reach an employee’s account in 60 seconds, while larger borrowing amounts require eligibility checks. Money Guru offers one-to-one sessions with SEBI- or CFP-authorised advisers, free to employees at partner companies. The Personal Finance Manager provides spending and budget insights, expense goals, PF and loan EMI calculators, and CIBIL score checks. Other listed offerings include Scan and Pay, a prepaid Visa card, gold savings, pocket insurance, Salary Protect, and a savings account. The service is available on Android, iOS, and web, as well as through WhatsApp, and supports 11 regional languages. Employers may offer benefits at no cost, but access requires an employer partnership; individuals cannot sign up directly. Pricing is on request.