Refyne - India’s first earned wage access platform

200+

leading partner
enterprises

1 M+

employee
base

400x

growth in transacting
users

36%

improvement in retention
with EWA

HELP YOUR TEAM BREAK AWAY FROM PAYCHECK-TO-PAYCHECK LIVING

Employee liquidity crisis has
far-reaching effects

81%

Indian employees have faced a financial shortfall between pay periods

72%

Resorted to alternate finance options to access liquid cash

42%

Expect their employers to secure their financial well-being

Source: EY Research - Earned Wage Access in India -

The Final Frontier of Employee well-being

Read the full report

  • Free for company

    A no-cost long-term employee financial wellness solution

  • Zero-risk for employer

    Working capital stays unchanged, we manage salary withdrawals

  • Hassle-free integration

    Highly compatible with any existing payroll, HRMS or ERP

  • Financial wellness indicator

    Get analytics on employee productivity and hidden attrition costs

AN EFFORTLESS WAY TO ELIMINATE FINANCIAL STRESS

Unlock an engaged and stress-free workforce

Refyne's earned wage access (EWA) app enables your employees, both salaried and contractors, to track and access a portion of their real-time pay any time before payday.

Our flexible financial solution liberates employees from relying on exploitative short-term borrowings that often push them into debt traps.

Refyne's low-touch technology comes at zero-cost to employers, seamlessly integrates with your existing payroll processes, and shows your employees you care about their well-being.

For Employees

ONE PLATFORM, MANY USES

Benefits for employees and employers

Employees

A financial wellness super app to track, spend and plan finances better

Instant access to earned salary for on-demand liquidity anytime

Build credit profile and access financial products at affordable prices

Employers

Zero-cost and hassle-free integration for fully automated solution

Get real-time analytics on employee usage; total transparency

Single platform for operating and monitoring workforce financial offerings

Strict data privacy

Tested and secured by top VPAT agencies, WeSecureApp

Regulatory compliances

Compliant with Reserve Bank of India guidelines

Information security

ISO 27001-certified for highest data security

Refyne Finsuite for employers

An intuitive all-in-one plug and play platform for employers to ensure workforce financial well-being

Simplifies attendance tracking across locations and shift timings

All types of employees can access financial products

Easy compatibility with any HRMS or payroll system

Financial Wellness Banking for employees

Integrated platform for wide range of offerings for employees


Earned Wage Access (EWA)

Empowers employees with real-time access to their earned salary before payday.

Instantly transfer money to any bank account.

Challenges conventional monthly pay model.


Refyne Salary Card

Access your salary instantly

Set your own limits and spend only what you have

Manage all transactions in one place


Payments

Free virtual Refyne card for online payments directly through the app

Pay through UPI - P2M (Scan & Pay) and P2P (transfer to family and friends)

Usage analysis gives insight into expenditures


Salary Advance

Refyne's in-house salary advance lending software

Zero-interest, EMI-driven and hassle-free credit for employees

No additional documentation and verification required


R-Score

A proprietary scoring model that looks beyond financial history; based on 200+ data points

Rewards employees for their diligent work, prudent financial choices, and career progression

Helps employees participate in the formal credit ecosystem and access financial products at lower prices


Financial Coaching

Empower employees to make better financial decisions with Refyne’s Financial Coaching

One-on-one sessions with SEBI-certified consultants

Available in 12 languages, can be accessed anytime, anywhere


Pocket Insurance

Single and fully customisable solution for unconventional risks

Short-term coverage with policy premiums as low as ₹15

Coverage for minor uncertainties of life like job losses due to business downsizing or mass layoffs, cyber frauds, events like damage to home, and more


Savings with Refyne

Refyne helps employees build healthy financial habits

Autosave a portion of earned salary

Set a Daily Saving Target and earn rewards when targets are met

MAKING HEADLINES IN INDIA'S FINANCE ECOSYSTEM

In The News

WE HELP OUR PARTNER COMPANIES ENSURE THEIR EMPLOYEES FINANCIAL WELL-BEING

Trusted by over 200 companies in India

Niraj Shukla

HR Head - India Operations at Rebel Foods

During these uncertain times, we wanted to put the financial control back into the hands of our employees. We are thankful to Refyne for helping us implement this initiative across the organization smoothly. The rollout of the scheme has helped us in enhancing our employees' wellbeing and reducing their financial burden.

Rohit Parakh

Managing Director, P&G (Touchstone)

Employers undermine the financial stress employees face and there's no way to measure it. With EWA in place, our staff doesn't have to use other sources to get money. They use Refyne as a finance management tool and are getting better at it. There's also been a decline in staff turnover and it [EWA] is helping us conserve money.

Manish Pandey

Assistant Manager HR, CARS24

We take employee wellness very seriously, and Refyne is a great fit for us. Financial strain does affect people’s mental health and how they feel in the workplace. Having control over access to salary has helped team members manage their finances better and we’re happy to support them and ease their burden.

BACKED BY BIGGEST LEADERS IN FINTECH

Our Investors