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Payroll · head to head

Mooncard vs Refyne

Mooncard logo

Mooncard

Payroll

French corporate card and expense management platform built on the Visa network

From
On request
Rated
-
Full reviewWebsite
Refyne logo

Refyne

Payroll

Earned wage access for Indian employers, with a per withdrawal convenience fee

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; Refyne the employee pays a convenience fee on every withdrawal and Refyne does not publish the schedule, so an HR buyer approving it as a free benefit is approving a cost that lands on the lowest paid staff.
  • They diverge on capability: Mooncard covers Configurable Visa cards, Refyne covers Payroll and attendance integration.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and Refyne actually diverge.

Attributes where Mooncard and Refyne differ
AttributeMooncardRefyne

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Mooncard

  • Configurable Visa cards
  • Automated expense capture
  • Multi-entity premium tier
  • Accounting export
  • Flying Blue miles
  • Real-time spend visibility

Only in Refyne

  • Payroll and attendance integration
  • Employer policy controls
  • Instant withdrawal
  • Automatic payroll recovery
  • Employee app
  • Employer dashboard
  • Savings and insurance add ons
  • Multi entity support

What people use each for

The jobs each tool is most often brought in to do.

Mooncard

  • A French business replacing an Amex corporate card programme with wider Visa merchant acceptancenot Refyne
  • A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot Refyne
  • A group with several legal entities wanting consolidated card and expense visibilitynot Refyne
  • A company whose travellers want Flying Blue miles on corporate card spendnot Refyne

Refyne

  • A manufacturer with high attrition among shift workers who leave over payday cash gapsnot Mooncard
  • A staffing company wanting a retention benefit that costs the employer little to deploynot Mooncard
  • An employer replacing informal salary advances processed manually by finance every monthnot Mooncard
  • A large retail or logistics operator standardising early wage access policy across many sitesnot Mooncard

Where each one falls short

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

Mooncard

  • Pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.
  • Its strongest support, integrations and merchant relationships are concentrated in France, and companies with most spend outside France or Europe get a thinner experience.
  • Being built specifically to displace Amex corporate cards, it has less of a track record and feature depth outside the expense and card niche compared with broader spend platforms like Payhawk.
  • Group and multi-entity functionality sits behind a separate premium tier, so a growing company may need to renegotiate its plan as it adds entities.
  • Marketing-driven positioning, including stunts such as the stratospheric payment demo, does not substitute for third-party benchmarking of actual transaction reliability at scale.

Refyne

  • The employee pays a convenience fee on every withdrawal and Refyne does not publish the schedule, so an HR buyer approving it as a free benefit is approving a cost that lands on the lowest paid staff.
  • A flat fee on a small withdrawal a few days before payday is expensive when annualised, which means the product can be more costly per rupee than the informal advances it replaces.
  • Because usage generates revenue, the provider's incentives favour higher withdrawal frequency, which runs against the financial wellbeing framing used to sell it internally.
  • It depends on accurate live attendance and payroll data, so employers with monthly batch payroll or unreliable attendance capture get conservative accrual limits that frustrate employees.
  • Earned wage access in India sits in an unsettled regulatory space between payroll advance and credit, and a Reserve Bank of India view that reclassifies it would change the product for existing customers mid contract.

Pricing, plan by plan

Mooncard

On request
  • Mooncard$undefined/month
    • Original offer with cards and expense management software
    • Premium tier for groups and multi-entity structures
    • Custom quote required, no published rate card

Refyne

On request
  • Refyne for employers$undefined/year
    • Employer cost quoted per customer and often nil
    • Employees pay a flat convenience fee on each withdrawal
    • No interest charged, but the per withdrawal fee is not published

Which should you pick?

Choose Mooncard if

  • You need configurable visa cards.
  • You work on Web, iOS, Android.
  • You also want automated expense capture.
Mooncard review

Choose Refyne if

  • You need payroll and attendance integration.
  • You work on Web, iOS, Android.
  • You also want employer policy controls.
Refyne review

Questions people ask

Is Mooncard or Refyne better?
Neither clearly leads. Mooncard starts at On request and Refyne at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or Refyne?
Mooncard starts at On request and Refyne at On request.
Does Mooncard or Refyne run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Mooncard best used for?
Mooncard is most often used for a french business replacing an amex corporate card programme with wider visa merchant acceptance, a finance team automating vat-compliant receipt capture instead of manual expense reports, a group with several legal entities wanting consolidated card and expense visibility, a company whose travellers want flying blue miles on corporate card spend. Of those, a french business replacing an amex corporate card programme with wider visa merchant acceptance and a finance team automating vat-compliant receipt capture instead of manual expense reports are not what Refyne is typically brought in for.
What can Mooncard do that Refyne cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export. Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery.

Answered from the vendors’ own pages

Mooncard: Is Mooncard only for France?

No, but its content, support and market presence are strongest in France; other European markets are served but less deeply.

Refyne: Does the employee pay to withdraw?

Yes. There is no interest, but a flat convenience fee is deducted per withdrawal. Get the exact schedule in writing before rollout.

Mooncard: Does Mooncard publish pricing?

No, quotes are provided directly by the Mooncard sales team based on company size and needs.

Refyne: Does the employer pay anything?

Often little or nothing, which is precisely why the cost sits with the worker. Employers who want a genuinely free benefit must negotiate to absorb the fee.

Mooncard: Which card network does it use?

Visa, which the company positions as giving broader merchant acceptance than the Amex network used by many incumbent French corporate cards.

Refyne: Is this a loan?

It is structured as access to already earned wages recovered at payroll, not as lending, but the regulatory classification in India is not fully settled.

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