Payflow

C tier on Earned Wage Access SoftwareScore 6.7 · #5 of 16

Android app: Yes
Free plan: No
Runs on: Android, api, iOS, Web

payflow.es

Summary

Payflow is a financial wellbeing app for employers that gives eligible employees access to part of their accrued salary during the month and to flexible compensation. Employers set limits on wage access, and employees can use the app only after their employer subscribes and grants platform access. Payflow says earned wage access and its listed employee benefits are free for employees. Flexflow covers meals, public transport, childcare, training and medical insurance; the app also includes interactive financial education and a catalog of employee benefits and discounts. HR administrators can use a web panel to review employee changes, configure limits, view transactions and monitor usage. Payflow says it integrates with more than 60 HR and payroll systems, and its public API supports employee updates and payroll transaction retrieval. It is available on Android, iOS and web, as well as through an API. Payflow says implementation takes 3–4 weeks and advertises 24/7 customer service. Pricing is on request. The company was founded in March 2020 and lists Madrid and Barcelona as its cities.

Who it is for

Payflow suits employers looking to offer eligible employees earned wage access, flexible benefits and financial education. Its web panel and payroll integrations are relevant to HR teams administering access and usage.

What is good

Employees pay nothing for earned wage access and listed benefits.
Flexible compensation includes meals, transport, childcare and training.
HR panel supports limits, transactions and usage monitoring.
Integrates with more than 60 HR and payroll systems.
Public API supports employee updates and payroll transactions.

What to know first

Employees need employer subscription and platform access.
Employer pricing is available on request.
Implementation is listed as taking 3–4 weeks.

Verdict

Payflow combines employee wage access and benefits with tools for HR administration and payroll integration. Its availability to employees depends on employer participation, and pricing is on request.

Compared on earned wage access software

Employee mobile app: Yespayflow.es
Instant wage transfer: Yespayflow.es
Payroll integration: Yespayflow.es
Earnings data source: payrollpayflow.es
Transfer methods: bankpayflow.es

Facts

Product: Payflow describes itself as a financial wellbeing app that gives employees access to earned salary and flexible compensation through one mobile app.payflow.es · 3 Oct 2026
Earned wage access: Employees can access part of their accrued salary during the month, subject to limits set by their employer.docs.payflow.es · 3 Oct 2026
Employee cost: Payflow says earned wage access and the listed employee benefits are free for employees.payflow.es · 3 Oct 2026
Flexible compensation: Flexflow offers benefits including meals, public transport, childcare, training, and medical insurance.payflow.es · 3 Oct 2026
Financial education: The app includes interactive financial education intended to teach employees financial habits and skills.payflow.es · 3 Oct 2026
Employer administration: The web panel lets HR administrators review employee changes, configure usage limits, view transactions, and monitor usage.docs.payflow.es · 3 Oct 2026
Integrations: Payflow says it integrates with more than 60 HR and payroll systems and can develop an integration for the employer’s payroll software.payflow.es · 3 Oct 2026
API: Payflow documents a public API for automating employee updates and retrieving transactions for payroll.docs.payflow.es · 3 Oct 2026
Implementation: The product page says implementation takes 3–4 weeks and advertises 24/7 customer service.payflow.es · 3 Oct 2026
Security certification: Payflow says AENOR certifies it to ISO 27001 and that it holds ENS conformity certification at medium category.payflow.es · 3 Oct 2026
Data protection: Payflow says it has a DPO registered with Spain’s AEPD and stores its services in AWS data centers located in the EU.payflow.es · 3 Oct 2026
Service availability: Payflow’s SLA states 99% monthly availability for the employee app, company administration dashboard, and public integration API.payflow.es · 3 Oct 2026
Who it serves: Payflow says employers with workforces from 20 to 100,000 employees have implemented the service.payflow.es · 3 Oct 2026
Company history: Payflow says it was founded in March 2020 to help workers improve their working lives.payflow.es · 3 Oct 2026
Availability and eligibility: The app listing says employees can use Payflow only after their employer subscribes and grants them platform access.play.google.com · 3 Oct 2026
Benefits catalog: The app includes a catalog of exclusive employee benefits and discounts.payflow.es · 4 Oct 2026
Security: Payflow says it holds AENOR ISO 27001 certification and medium-category Spanish National Security Framework conformity certification, has a DPO registered with the AEPD, and operates servers in the EU.payflow.es · 4 Oct 2026
Security controls: The product page says its AWS servers use DDoS and WAF protection, its database information is encrypted, and its security audits use Detectify.payflow.es · 4 Oct 2026
Support: The product page advertises 24/7 customer service, while the user help center offers WhatsApp support and FAQs.payflow.es · 4 Oct 2026
Target companies: Payflow says companies with workforces from 20 to 100,000 employees have implemented it.payflow.es · 4 Oct 2026
Company: Payflow says it was founded in March 2020 and lists Barcelona and Madrid as its two cities.payflow.es · 4 Oct 2026