Payflow vs Refyne
Payflow
payflow.esRefyne
refyne.co.inSide by side
| Figure | Payflow | Refyne |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 0 | 0 |
| Spec score · Earned Wage Access Software | 7.3 (#8) | 7.1 (#11) |
| Company history | Payflow says it was founded in March 2020 to help workers improve their working lives. | Refyne says it launched Salary On-Demand in 2021 to give employees access to earned wages when needed. |
| Founded | 2020 | 2021 |
| Headquarters | Madrid, Spain | Bengaluru, Karnataka, India |
| Integrations | Payflow says it integrates with more than 60 HR and payroll systems. | Refyne supports automated API integrations and can use employer, employee, salary, and attendance information for eligibility and salary calculations. |
| Product | Payflow describes itself as a financial wellbeing app that gives employees access to earned wages and flexible compensation in one mobile app. | Refyne describes itself as a financial wellness suite offering employees salary access, financial education, and tools for long-term financial planning. |
| 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. | 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 product page advertises 24/7 customer service, while the user help center offers WhatsApp support and FAQs. | The FAQ says partner organizations receive a dedicated Key Account Manager providing 24×7 support. |
In their own words
Payflow
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.
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.