Refyne
Refyne: A broad India-focused EWA platform combining wage access with financial perks. Ranked #10 of 16 in Earned Wage Access Software by our editors (7.7/10); pricing: Pricing on request; best for employers seeking EWA with financial perks.
At a glance
- Editor score7.7 / 10
- PricingPricing on request
- Best forEmployers seeking EWA with financial perks
- Employee mobile appYes
- Founded2021 · Bengaluru, Karnataka, India
- Facts checked20 Sep 2026
Where it wins
- Access accrued wages before payday through Salary On-Demand
- Connects payroll, HRMS, attendance systems, and APIs
- Adds UPI payments, a prepaid card, coaching, savings, and discounts
Where it doesn't
- Employer access follows a contact-sales model
- Employees may pay transaction or processing fees
- The platform is focused on India-based employer partnerships
Our verdict on Refyne
Refyne is an India-focused financial wellness platform that lets employees access accrued wages before payday through an employer partnership. Salary On-Demand uses payroll, attendance, and employment data to determine eligibility and repayment. The platform supports private companies, nonprofits, government entities, on-roll employees, off-roll employees, consultants, temporary workers, and gig workers. It is suited to employers looking to pair earned wage access with employee financial benefits rather than offer wage access as a standalone feature.
Pricing is handled through contact sales, and employer access is described as cost-free. Employees may pay transaction or processing fees, with charges varying by product and transaction. The Salary On-Demand offering also includes longer-term loans that may carry interest and processing fees. Buyers should therefore clarify the applicable employee charges and product terms before rollout, particularly if they want a simple, predictable cost structure for workers.
Refyne has a broad supporting ecosystem across web, iOS, and Android. Integrations cover payroll, HRMS, attendance systems, and APIs, while attendance-based eligibility and salary calculations help connect access decisions to employment data. Employees can receive wage-access funds through UPI scan-and-pay payments or the prepaid Refyne Card, then use Money Guru for financial coaching and education, digital gold savings, and Refyne Privilege Club purchase discounts. Employers seeking a wider financial-wellness package may find this range useful; those wanting only a narrowly focused wage-access tool may prefer a simpler alternative.
Your product? Our editors can test Refyne in depth and publish a review, labelled as paid · from $149/mo →
Refyne pricing
Refyne fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Employee mobile app | Yes |
| Instant wage transfer | Yes |
| Payroll integration | Yes |
| Timesheet integration | Not verified |
| Earnings data source | Realtime |
| Transfer methods | Not verified |
| Eligibility rules | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | SOC 2, ISO 27001 |
| Support | Email, Phone · 24/7 |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 4 integrations: HRMS, payroll systems, attendance systems, API integrations See all → |
| Pricing | Pricing on request |
| Website | refyne.co.in |
| Facts checked | 20 Sep 2026 |
Refyne integrations
Refyne lists 4 integrations on its own site.
- HRMS
- payroll systems
- attendance systems
- API integrations
Alternatives to Refyne
- PayactivA broad EWA platform combining wage access, payroll integrations, and financial tools.9.4
- DailyPayA broad earned wage access platform for employers needing payroll integrations and transfer choice.9.2
- TapcheckA free, full-featured EWA platform with broad payroll, timekeeping, and payout support.9.0
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Featured on iTechGuides
Refyne is listed in our Earned Wage Access Software directory. Add the badge to your site — it links back to this page.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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