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Payroll · head to head

SalaryFits vs TOTVS

SalaryFits logo

SalaryFits

Payroll

Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024

From
Free
Rated
-
Full reviewWebsite
TOTVS logo

TOTVS

ERP

Brazilian cloud ERP for business management

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only SalaryFits has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; TOTVS strongest in Brazil/Latin America; limited global brand recognition outside region
  • They diverge on capability: SalaryFits covers Discount club, TOTVS covers Financial management.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which SalaryFits and TOTVS actually diverge.

Attributes where SalaryFits and TOTVS differ
AttributeSalaryFitsTOTVS
Starting priceFreeOn request
Pricing modelFree for employers, fees apply to advances and loansUnknown
Free tierYesNo
PlatformsWeb, iOS, AndroidCloud (SaaS)
CategoryPayrollERP
FoundedUnknown1983

Identical on both: user rating (Not yet rated).

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 SalaryFits

  • Discount club
  • Earned wage access
  • Payroll-deduction loans
  • Financial marketplace
  • Zero employer cost
  • Serasa credit integration

Only in TOTVS

  • Financial management
  • Supply chain
  • Manufacturing
  • CRM
  • Compliance
  • Brazilian tax systems
  • REST APIs
  • Third-party systems

What people use each for

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

SalaryFits

  • A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot TOTVS
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot TOTVS
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot TOTVS
  • An employer consolidating several point benefits into one branded app for staffnot TOTVS

TOTVS

  • Brazilian business managementnot SalaryFits
  • Tax compliancenot SalaryFits
  • Multi-module integrationnot SalaryFits
  • Regional supportnot SalaryFits

Where each one falls short

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

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.

TOTVS

  • Strongest in Brazil/Latin America; limited global brand recognition outside region
  • Complex implementation required for enterprise deployments
  • Smaller feature set compared to global players like Oracle or SAP in some areas
  • Language and localization primarily focused on Portuguese and Spanish

Pricing, plan by plan

SalaryFits

Free
  • SalaryFitsFree
    • No employer subscription cost
    • Discount club free to employees
    • Salary advance and consigned loan fees apply per transaction

TOTVS

On request

No published plan breakdown. See the TOTVS review.

Which should you pick?

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.
SalaryFits review

Choose TOTVS if

  • You need financial management.
  • You work on Cloud (SaaS).
  • You also want supply chain.
TOTVS review

Questions people ask

Is SalaryFits or TOTVS better?
Neither clearly leads. SalaryFits starts at Free and TOTVS at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, SalaryFits or TOTVS?
SalaryFits has a free tier; the other does not. Paid plans start at Free for SalaryFits and On request for TOTVS.
Does SalaryFits or TOTVS run on more platforms?
SalaryFits runs on Web, iOS, Android. TOTVS runs on Cloud (SaaS).
Can I use SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. TOTVS starts at On request.
What is SalaryFits best used for?
SalaryFits is most often used for a brazilian employer wanting a zero-cost benefit to add discount and advance access for staff, an hr team wanting earned wage access without building payroll advance infrastructure in house, a company wanting to offer payroll-deduction credit access underwritten with bureau-grade data, an employer consolidating several point benefits into one branded app for staff. Of those, a brazilian employer wanting a zero-cost benefit to add discount and advance access for staff and an hr team wanting earned wage access without building payroll advance infrastructure in house are not what TOTVS is typically brought in for.
What can SalaryFits do that TOTVS cannot?
SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace. TOTVS covers Financial management, Supply chain, Manufacturing, CRM.

Answered from the vendors’ own pages

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.

TOTVS: What markets does TOTVS operate in?

TOTVS operates in 41 countries with dominant presence in Brazil (over 50% market share) and ranks among the top 3 ERP providers in Latin America.

Source
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.

TOTVS: When was TOTVS founded?

TOTVS (originally Microsiga) was founded in 1983 by Laércio Cosentino and Ernesto Haberkorn. The company changed its name to TOTVS in 2005.

Source
SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

TOTVS: Is TOTVS publicly traded?

Yes. TOTVS is publicly traded as a Brazilian company, providing financial transparency and corporate governance oversight.

Source
TOTVS: What ERP solutions does TOTVS offer?

TOTVS provides cloud-based ERP systems designed for small, medium, and large enterprises with integrated modules for finance, supply chain, manufacturing, sales, and human resources.

Source
TOTVS: Is TOTVS only for Brazilian companies?

No. TOTVS serves 41 countries globally, though it has strongest market penetration in Brazil and Latin America where it ranks as the largest emerging markets software firm.

Source
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