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Payroll · head to head

PayFit vs Refyne

PayFit logo

PayFit

Payroll

Native payroll and HR for small and mid-sized companies in a small number of European countries

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: PayFit coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.; 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: PayFit covers Native 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 PayFit and Refyne actually diverge.

Attributes where PayFit and Refyne differ
AttributePayFitRefyne

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 PayFit

  • Native payroll engine
  • Statutory filing
  • Payslip generation
  • Time off management
  • Expenses
  • Employee records
  • Automated variable pay
  • Accounting 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.

PayFit

  • A French company of 50 people leaving a payroll bureau that charges per payslip and returns work slowlynot Refyne
  • A Spanish or Italian employer that needs payroll calculated in-country rather than routed through an intermediarynot Refyne
  • A UK subsidiary of a European group that wants payroll on the same platform as the parent where the country is supportednot Refyne
  • A finance team that wants payroll journals exported directly into the local accounting system without manual mappingnot Refyne

Refyne

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

Where each one falls short

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

PayFit

  • Coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • There is no employer of record capability, so hiring one person in an unsupported country means adding a separate vendor and a separate employment model.
  • The HR modules cover time off, expenses and records but do not replace an HRIS, and companies with performance, learning or ATS requirements will run PayFit alongside another system.
  • Pricing is quoted per country as a platform fee plus a per employee charge, which makes cross-border cost comparison awkward and means a small subsidiary can carry a disproportionate fixed cost.
  • The product is built for small and mid-sized employers, and companies past a few hundred employees report hitting limits in complex collective agreement handling and in bulk data correction workflows.

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

PayFit

On request
  • PayFit$undefined/year
    • Monthly platform fee plus a charge per paid employee
    • Pricing differs by country of employment
    • Payroll calculation and statutory filing

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 PayFit if

  • You need native payroll engine.
  • You work on Web, iOS, Android.
  • You also want statutory filing.
PayFit 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 PayFit or Refyne better?
Neither clearly leads. PayFit 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, PayFit or Refyne?
PayFit starts at On request and Refyne at On request.
Does PayFit or Refyne run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is PayFit best used for?
PayFit is most often used for a french company of 50 people leaving a payroll bureau that charges per payslip and returns work slowly, a spanish or italian employer that needs payroll calculated in-country rather than routed through an intermediary, a uk subsidiary of a european group that wants payroll on the same platform as the parent where the country is supported, a finance team that wants payroll journals exported directly into the local accounting system without manual mapping. Of those, a french company of 50 people leaving a payroll bureau that charges per payslip and returns work slowly and a spanish or italian employer that needs payroll calculated in-country rather than routed through an intermediary are not what Refyne is typically brought in for.
What can PayFit do that Refyne cannot?
PayFit covers Native payroll engine, Statutory filing, Payslip generation, Time off management. Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery.

Answered from the vendors’ own pages

PayFit: Which countries does PayFit actually calculate payroll in?

It runs its own payroll engine for the countries it sells in, currently France, Spain, Italy and the United Kingdom, and it closed its German operation in 2023.

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.

PayFit: Is it native payroll or aggregation through a local partner?

Native. Country rules are written and maintained in the company own domain-specific language, so calculation and filing are PayFit responsibilities rather than a partner obligation.

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.

PayFit: Can PayFit employ staff on my behalf?

No. It is payroll software for entities you already have. Employment in a country without your own entity needs an employer of record.

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.

PayFit: Does it handle collective bargaining agreements?

Common French and Spanish agreements are supported, but unusual or heavily negotiated agreements can require manual handling.

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