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Payroll · head to head

Nmbrs vs Refyne

Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

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: Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.; 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: Nmbrs covers Dutch payroll engine, 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 Nmbrs and Refyne actually diverge.

Attributes where Nmbrs and Refyne differ
AttributeNmbrsRefyne

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 Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

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.

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Refyne
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Refyne
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Refyne
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Refyne

Refyne

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

Where each one falls short

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

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

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

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

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 Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs 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 Nmbrs or Refyne better?
Neither clearly leads. Nmbrs 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, Nmbrs or Refyne?
Nmbrs starts at On request and Refyne at On request.
Does Nmbrs or Refyne run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Nmbrs best used for?
Nmbrs is most often used for a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator, an accountancy firm running payroll for dozens of client companies from one workspace, a dutch subsidiary of an international group that needs correct cao and pension fund handling, an hr or time tracking vendor that needs a documented api to push hours and changes into dutch payroll. Of those, a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator and an accountancy firm running payroll for dozens of client companies from one workspace are not what Refyne is typically brought in for.
What can Nmbrs do that Refyne cannot?
Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service. Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery.

Answered from the vendors’ own pages

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

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.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

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.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

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.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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