Payroll · head to head
Payhawk vs Refyne
Payhawk
Payroll
Modular spend management combining corporate cards, accounts payable, procurement and travel
- From
- On request
- Rated
- -
Refyne
Payroll
Earned wage access for Indian employers, with a per withdrawal convenience fee
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Payhawk buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.; 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: Payhawk covers Corporate 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 Payhawk and Refyne actually diverge.
Identical on both: starting price (On request), 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 Payhawk
- Corporate cards
- Accounts payable automation
- Procurement module
- Travel booking
- ERP integrations
- Multi-entity consolidation
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.
Payhawk
- A multi-entity European business wanting one system for cards, expenses and payables across currenciesnot Refyne
- A finance team that wants to price spend management before a sales call rather than negotiating blindnot Refyne
- A company wanting only accounts payable automation without paying for card issuing it does not neednot Refyne
- A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot Refyne
Refyne
- A manufacturer with high attrition among shift workers who leave over payday cash gapsnot Payhawk
- A staffing company wanting a retention benefit that costs the employer little to deploynot Payhawk
- An employer replacing informal salary advances processed manually by finance every monthnot Payhawk
- A large retail or logistics operator standardising early wage access policy across many sitesnot Payhawk
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Payhawk
- Buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
- The unlimited-seats model is a poor fit for a company issuing cards to only a handful of employees, since the fixed module price does not scale down.
- Card issuing depends on Payhawk's own banking partners rather than a company's existing bank, so switching away later means reissuing cards and re-training staff on a new tool.
- Procurement is a separate paid module rather than a built-in feature, so a company evaluating "Payhawk" from marketing material may be looking at capability it has not actually bought.
- International card acceptance and FX handling vary by market, and companies with material spend outside Europe report gaps compared to global card issuers.
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
Payhawk
On request- Travel$299/month
- Integrated travel booking
- Unlimited employee seats
- Accounts Payable$349/month
- Invoice capture and approval routing
- Unlimited document processing
- Cards and Expenses$449/month
- Unlimited card transactions
- Multi-entity expense management
- Procurement$499/month
- Purchase request and approval workflow
- Vendor management
Refyne
On request- Refyne for employers$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 Payhawk if
- You need corporate cards.
- You work on Web, iOS, Android.
- You also want accounts payable automation.
Choose Refyne if
- You need payroll and attendance integration.
- You work on Web, iOS, Android.
- You also want employer policy controls.
Questions people ask
- Is Payhawk or Refyne better?
- Neither clearly leads. Payhawk 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, Payhawk or Refyne?
- Payhawk starts at On request and Refyne at On request.
- Does Payhawk or Refyne run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- What is Payhawk best used for?
- Payhawk is most often used for a multi-entity european business wanting one system for cards, expenses and payables across currencies, a finance team that wants to price spend management before a sales call rather than negotiating blind, a company wanting only accounts payable automation without paying for card issuing it does not need, a mid-market business standardising erp-integrated expense reporting ahead of a fundraise or audit. Of those, a multi-entity european business wanting one system for cards, expenses and payables across currencies and a finance team that wants to price spend management before a sales call rather than negotiating blind are not what Refyne is typically brought in for.
- What can Payhawk do that Refyne cannot?
- Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking. Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery.
Answered from the vendors’ own pages
Payhawk: Is Payhawk pricing really public?
Yes, module pricing (Travel, Accounts Payable, Cards and Expenses, Procurement) is published starting at 299 to 499 dollars a month per module, or bundled as Payhawk Complete.
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.
Payhawk: Does it charge per seat?
No, each module includes unlimited employee seats; the fixed monthly fee does not increase with headcount.
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.
Payhawk: Can we buy just one module?
Yes, modules are sold separately, so a company can buy Accounts Payable without Cards or Procurement.
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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