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Payroll · head to head

EnKash vs SalaryFits

EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
Rated
-
Full reviewWebsite
SalaryFits logo

SalaryFits

Payroll

Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only SalaryFits has a free tier, so it costs nothing to try first.
  • Each has a real cost: EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.; 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: EnKash covers Corporate card ecosystem, SalaryFits covers Discount club.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and SalaryFits actually diverge.

Attributes where EnKash and SalaryFits differ
AttributeEnKashSalaryFits
Starting priceOn requestFree
Pricing modelquoteFree for employers, fees apply to advances and loans
Free tierNoYes

Identical on both: 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 EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

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.

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot SalaryFits
  • A finance team wanting real-time merchant category restrictions on employee card spendnot SalaryFits
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot SalaryFits
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot SalaryFits

SalaryFits

  • A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot EnKash
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot EnKash
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot EnKash
  • An employer consolidating several point benefits into one branded app for staffnot EnKash

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

EnKash

  • It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
  • Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
  • As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
  • Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.

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

EnKash

On request
  • EnKash$undefined/year
    • Pricing not published, quote based on card volume and modules
    • Corporate card, expense management and UPI wallet modules available separately or bundled

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 EnKash if

  • You need corporate card ecosystem.
  • You work on Web, iOS, Android.
  • You also want upi-linked petty cash wallets.
EnKash review

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.
SalaryFits review

Questions people ask

Is EnKash or SalaryFits better?
Neither clearly leads. EnKash starts at On request and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or SalaryFits?
SalaryFits has a free tier; the other does not. Paid plans start at On request for EnKash and Free for SalaryFits.
Does EnKash 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 SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. EnKash starts at On request.
What is EnKash best used for?
EnKash is most often used for an indian business replacing branch-level petty cash handling with upi-linked digital wallets, a finance team wanting real-time merchant category restrictions on employee card spend, a company wanting tax-saving benefit cards issued alongside standard expense cards, an enterprise wanting a prepaid card issuer with its own rbi licence rather than a reseller of a bank's licence. Of those, an indian business replacing branch-level petty cash handling with upi-linked digital wallets and a finance team wanting real-time merchant category restrictions on employee card spend are not what SalaryFits is typically brought in for.
What can EnKash do that SalaryFits cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.

Answered from the vendors’ own pages

EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

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.

EnKash: What is a PPI licence and why does it matter?

It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card issuance.

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.

EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

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