NTT DATA Payment Services EWA vs Refyne
NTT DATA Payment Services EWA
in.nttdatapay.comRefyne
refyne.co.inSide by side
| Figure | NTT DATA Payment Services EWA | Refyne |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Earned Wage Access Software | 6.9 (#12) | 7.1 (#11) |
| Availability | The EWA page describes an employee mobile app but does not name a specific operating system or provide download links. | The FAQ says the app is available through the Google Play Store, Apple Store, WhatsApp, and a web app, and supports 11 regional languages. |
| Headquarters | Mumbai, Maharashtra, India | Bengaluru, Karnataka, India |
| Security | The maker says EWA uses NTT DATA Group payment infrastructure with payment-industry security standards, full auditability, and role-based access controls. | 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 | The company’s customer-care page lists [email protected] and phone support at 1860 266 4959. | The FAQ says partner organizations receive a dedicated Key Account Manager providing 24×7 support. |
| What it does | Lets employees withdraw part of their already earned salary before payday; the maker says it is not a loan, carries no interest, and does not affect the employer’s payroll cycle or cash flow. | Refyne is a financial wellness platform offering employees access to funds, financial education, and tools for long-term financial planning. |
Plans
NTT DATA Payment Services EWA
- NTT DATA Payment Services EWAPriced on request
In their own words
NTT DATA Payment Services EWA
NTT DATA Payment Services EWA is a paid earned-wage access service for employers and employees. It lets employees withdraw part of salary they have already earned before payday; the maker says this is not a loan, has no interest, and does not alter the employer’s payroll cycle or cash flow. The employee mobile app shows earned balances, accepts withdrawal requests, and sends payouts instantly to a wallet with UPI flexibility. Employers connect EWA to HRMS or payroll systems with minimal configuration, or use Excel-based payroll. Its HR portal supports eligibility rules, withdrawal limits, approvals, transaction monitoring, and usage controls by company policy or employee profile. Withdrawn amounts are deducted automatically on salary day, with payroll-aligned reports for reconciliation. The service targets large frontline, gig, and blue-collar workforces. It runs on Android and the web; pricing is available on request.
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.