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Payroll · head to head

Refyne vs TriNet

Refyne logo

Refyne

Payroll

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

From
On request
Rated
-
Full reviewWebsite
TriNet logo

TriNet

Payroll

Big company benefits and a team deeply involved in running your HR

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; TriNet pricing is fully customized with no published rates
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refyne and TriNet actually diverge.

Attributes where Refyne and TriNet differ
AttributeRefyneTriNet
PlatformsWeb, iOS, AndroidWeb

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

Only in TriNet

Nothing recorded that Refyne does not also cover.

What people use each for

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

Refyne

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

TriNet

  • HR and payroll services for mid-sized companiesnot Refyne
  • Talent managementnot Refyne
  • Benefits administrationnot Refyne

Where each one falls short

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

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.

TriNet

  • Pricing is fully customized with no published rates
  • Assessment required before pricing is provided
  • No self-serve pricing options

Pricing, plan by plan

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

TriNet

On request

No published plan breakdown. See the TriNet review.

Which should you pick?

Choose Refyne if

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

Choose TriNet if

Nothing in the data separates TriNet from Refyne on the points above - pick on price and on how each one feels to use.

TriNet review

Questions people ask

Is Refyne or TriNet better?
Neither clearly leads. Refyne starts at On request and TriNet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refyne or TriNet?
Refyne starts at On request and TriNet at On request.
Does Refyne or TriNet run on more platforms?
Refyne runs on Web, iOS, Android. TriNet runs on Web.
What is Refyne best used for?
Refyne is most often used for a manufacturer with high attrition among shift workers who leave over payday cash gaps, a staffing company wanting a retention benefit that costs the employer little to deploy, an employer replacing informal salary advances processed manually by finance every month, a large retail or logistics operator standardising early wage access policy across many sites. Of those, a manufacturer with high attrition among shift workers who leave over payday cash gaps and a staffing company wanting a retention benefit that costs the employer little to deploy are not what TriNet is typically brought in for.
What can Refyne do that TriNet cannot?
Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery.

Answered from the vendors’ own pages

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.

TriNet: How does TriNet determine its pricing?

TriNet states: 'Many factors go into our pricing structure, including the state of your business and the size of your company.' Pricing is customized per client based on business size, location, and specific needs.

Source
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.

TriNet: Can you get a TriNet quote without an assessment?

No. TriNet requires customers to complete an HR Solution Assessment or consult with a TriNet consultant before receiving a personalized quote. No pricing is available without this step.

Source
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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