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Payroll · head to head

SalaryFits vs Wagestream

SalaryFits logo

SalaryFits

Payroll

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

From
Free
Rated
-
Full reviewWebsite
Wagestream logo

Wagestream

Payroll

Financial wellbeing platform with flexible pay, savings and coaching for UK and US employers

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.; Wagestream employees pay a flat fee of around 1.95 pounds per transfer, so frequent users pay a meaningful annual sum to access wages they have already earned.
  • They diverge on capability: SalaryFits covers Discount club, Wagestream covers Stream pay.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which SalaryFits and Wagestream actually diverge.

Attributes where SalaryFits and Wagestream differ
AttributeSalaryFitsWagestream
Starting priceFreeOn request
Pricing modelFree for employers, fees apply to advances and loansquote
Free tierYesNo

Identical on both: 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 SalaryFits

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

Only in Wagestream

  • Stream pay
  • Build savings
  • Track
  • Coaching
  • Employer subsidy
  • Rostering integration

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 Wagestream
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot Wagestream
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Wagestream
  • An employer consolidating several point benefits into one branded app for staffnot Wagestream

Wagestream

  • A care provider with thousands of shift workers using flexible pay to fill unpopular shiftsnot SalaryFits
  • A retailer under ESG scrutiny that wants to subsidise the transfer fee and evidence a genuine benefitnot SalaryFits
  • An employer whose staff use payday lending and who wants a cheaper alternative inside payrollnot SalaryFits
  • A logistics operator wanting savings-from-pay alongside early access rather than advances alonenot 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.

Wagestream

  • Employees pay a flat fee of around 1.95 pounds per transfer, so frequent users pay a meaningful annual sum to access wages they have already earned.
  • Employers who do not subsidise the fee are, in effect, offering a benefit funded by their lowest-paid staff, which is an awkward position when unions or ESG reporting examine it.
  • Transfers are capped at a share of earned wages, commonly around half a month, so it does not resolve a genuine income shortfall and can delay someone seeking real debt help.
  • It needs accurate payroll and rostering feeds; employers with legacy or multiple payroll systems face long integrations before launch.
  • Uptake concentrates in a minority of staff who use it repeatedly, so headline adoption figures overstate how broadly the benefit is felt across a workforce.

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

Wagestream

On request
  • Wagestream$undefined/year
    • Employer platform fee quoted, commonly per employee per month
    • Employee pays roughly 1.95 per wage transfer unless subsidised
    • Employer can part-subsidise or fully fund the transfer fee

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 Wagestream if

  • You need stream pay.
  • You work on Web, iOS, Android.
  • You also want build savings.
Wagestream review

Questions people ask

Is SalaryFits or Wagestream better?
Neither clearly leads. SalaryFits starts at Free and Wagestream at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, SalaryFits or Wagestream?
SalaryFits has a free tier; the other does not. Paid plans start at Free for SalaryFits and On request for Wagestream.
Does SalaryFits or Wagestream run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. Wagestream 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 Wagestream is typically brought in for.
What can SalaryFits do that Wagestream cannot?
SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace. Wagestream covers Stream pay, Build savings, Track, Coaching.

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.

Wagestream: What does an employee pay?

A flat fee of roughly 1.95 pounds per transfer, unless the employer subsidises part or all of it.

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.

Wagestream: Is it a loan?

No. It is access to wages already earned, netted off at payroll, so there is no interest and no credit agreement.

SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

Wagestream: Can employers cover the fee?

Yes. Employer subsidy is a standard option and is the difference between a genuine benefit and a cost passed to staff.

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