Payroll · head to head
Branch App vs SalaryFits
Branch App
Payroll
Digital wallet and Mastercard debit card bundled with fee-free earned wage access for US workers
- From
- Free
- Rated
- -
SalaryFits
Payroll
Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Branch App the fee-free promise applies most fully to funds kept in the Branch Wallet; moving money out instantly to an external bank account can carry a fee, which is easy to overlook.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- They diverge on capability: Branch App covers On-demand pay, SalaryFits covers Discount club.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Branch App and SalaryFits actually diverge.
| Attribute | Branch App | SalaryFits |
|---|---|---|
| Pricing model | Free for employers, fee-free standard access for workers | Free for employers, fees apply to advances and loans |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Branch App
- On-demand pay
- Branch Wallet
- Branch Card
- Branch Embedded
- Cashless tips and mileage tracking
- Automatic savings
Only in SalaryFits
- Discount club
- Earned wage access
- Payroll-deduction loans
- Financial marketplace
- Zero employer cost
- Serasa credit integration
What people use each for
The jobs each tool is most often brought in to do.
Branch App
- A healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workersnot SalaryFits
- A gig or shift-scheduling platform wanting to embed pay features under its own brand via Branch Embeddednot SalaryFits
- An employer wanting cashless tipping and mileage tracking bundled with wage accessnot SalaryFits
- A worker who wants a dedicated pay-focused wallet and debit card rather than routing advances to a personal bank accountnot SalaryFits
SalaryFits
- A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot Branch App
- An HR team wanting earned wage access without building payroll advance infrastructure in housenot Branch App
- A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Branch App
- An employer consolidating several point benefits into one branded app for staffnot Branch App
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Branch App
- The fee-free promise applies most fully to funds kept in the Branch Wallet; moving money out instantly to an external bank account can carry a fee, which is easy to overlook.
- Because Branch Embedded lets other platforms white-label the same infrastructure, a worker or employer evaluating a differently branded wage access feature may not realise Branch is the underlying processor, complicating vendor due diligence.
- As with all earned wage access, frequent draws are a symptom of pay not covering living costs between cycles, which the product does not itself remedy.
- Coverage is US-only, so it does not serve international or multi-country workforces.
- Adoption value depends on workers actually using the Branch wallet and card day to day; a worker who only wants advances deposited into an existing bank account gets a comparatively thinner experience than one who adopts the full wallet.
SalaryFits
- It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
- Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
- As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
- Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.
Pricing, plan by plan
Branch App
Free- BranchFree
- No employer subscription cost
- Fee-free earned wage access to the Branch Wallet
- Instant transfer to external accounts may carry a fee
SalaryFits
Free- SalaryFitsFree
- No employer subscription cost
- Discount club free to employees
- Salary advance and consigned loan fees apply per transaction
Which should you pick?
Choose Branch App if
- You need on-demand pay.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want branch wallet.
Choose SalaryFits if
- You need discount club.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want earned wage access.
Questions people ask
- Is Branch App or SalaryFits better?
- Neither clearly leads. Branch App starts at Free and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Branch App or SalaryFits?
- Branch App starts at Free and SalaryFits at Free.
- Does Branch App or SalaryFits run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- Can I use Branch App for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Branch App best used for?
- Branch App is most often used for a healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workers, a gig or shift-scheduling platform wanting to embed pay features under its own brand via branch embedded, an employer wanting cashless tipping and mileage tracking bundled with wage access, a worker who wants a dedicated pay-focused wallet and debit card rather than routing advances to a personal bank account. Of those, a healthcare, retail or hospitality employer wanting fee-free earned wage access for shift workers and a gig or shift-scheduling platform wanting to embed pay features under its own brand via branch embedded are not what SalaryFits is typically brought in for.
- What can Branch App do that SalaryFits cannot?
- Branch App covers On-demand pay, Branch Wallet, Branch Card, Branch Embedded. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.
Answered from the vendors’ own pages
Branch App: Is it free for employers?
Yes, the core earned wage access offering is free for employers and standard access is fee-free for workers.
SalaryFits: Is SalaryFits still an independent company?
No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.
Branch App: What is Branch Embedded?
A white-label version of Branch's wage access and paycard infrastructure that other software platforms can build into their own branded product.
SalaryFits: Does it cost the employer anything?
The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.
Branch App: Does it work outside the US?
No, it is a US-only product.
SalaryFits: Does it operate outside Brazil?
No, it is built specifically for the Brazilian market.
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