Payroll · head to head
Extend vs SalaryFits
Extend
Payroll
Virtual card issuing and spend controls layered onto existing business credit cards
- From
- Free
- Rated
- -
SalaryFits
Payroll
Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- They diverge on capability: Extend covers Virtual card issuing, SalaryFits covers Discount club.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Extend and SalaryFits actually diverge.
| Attribute | Extend | SalaryFits |
|---|---|---|
| Pricing model | Per user per month, free starter tier | Free for employers, fees apply to advances and loans |
Identical on both: starting price (Free), free tier (Yes), 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 Extend
- Virtual card issuing
- Per-card spend controls
- Approval workflows
- Receipt auto-matching
- ERP integrations
- API access
Only in SalaryFits
- Discount club
- Earned wage access
- Payroll-deduction loans
- Financial marketplace
- Zero employer cost
- Serasa credit integration
What people use each for
The jobs each tool is most often brought in to do.
Extend
- A small business wanting free vendor-level virtual card controls without opening a new card programmenot SalaryFits
- A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot SalaryFits
- A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot SalaryFits
- A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot SalaryFits
SalaryFits
- A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot Extend
- An HR team wanting earned wage access without building payroll advance infrastructure in housenot Extend
- A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Extend
- An employer consolidating several point benefits into one branded app for staffnot Extend
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Extend
- It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
- The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
- The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
- Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
- Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.
SalaryFits
- It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
- Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
- As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
- Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.
Pricing, plan by plan
Extend
Free- StarterFree
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
- Pro$11.99/month
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
- Enterprise$undefined/month
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager
SalaryFits
Free- SalaryFitsFree
- No employer subscription cost
- Discount club free to employees
- Salary advance and consigned loan fees apply per transaction
Which should you pick?
Choose Extend if
- You need virtual card issuing.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want per-card spend controls.
Choose SalaryFits if
- You need discount club.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want earned wage access.
Questions people ask
- Is Extend or SalaryFits better?
- Neither clearly leads. Extend starts at Free and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Extend or SalaryFits?
- Extend starts at Free and SalaryFits at Free.
- Does Extend or SalaryFits run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- Can I use Extend for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Extend best used for?
- Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what SalaryFits is typically brought in for.
- What can Extend do that SalaryFits cannot?
- Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.
Answered from the vendors’ own pages
Extend: Does Extend replace our business credit card?
No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.
SalaryFits: Is SalaryFits still an independent company?
No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.
Extend: Is there really a free plan?
Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.
SalaryFits: Does it cost the employer anything?
The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.
Extend: What does Pro cost?
11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.
SalaryFits: Does it operate outside Brazil?
No, it is built specifically for the Brazilian market.
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