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Payflow
Madrid, Spain
What it is
Payflow is a financial wellbeing app for employers that gives eligible employees access to part of their accrued salary during the month and flexible compensation through a mobile app. Wage access is subject to employer-set limits, and employees can use the service only after their employer subscribes and grants access. Payflow says earned wage access and its listed employee benefits are free for employees; employer pricing is available on request. Flexflow includes meals, public transport, childcare, training and medical insurance. The app also offers interactive financial education and a catalog of employee benefits and discounts. HR administrators can use a web panel to review employee changes, set usage limits, view transactions and monitor usage. Payflow says it integrates with more than 60 HR and payroll systems and provides a public API for employee updates and retrieving payroll transactions. It supports Android, iOS, web and API access. The company says implementation takes 3–4 weeks and advertises 24/7 customer service. Payflow was founded in March 2020 and lists Madrid and Barcelona as its cities.
For and against
For
- Employee access to earned salary is free.
- Flexflow includes meals, transport, childcare and training.
- Integrates with more than 60 HR and payroll systems.
- Advertises 24/7 customer service.
Against
- Employees need employer subscription and access approval.
- Employers must request pricing.
- Implementation takes 3–4 weeks.
The verdict
Payflow combines employer-controlled wage access with benefits, financial education and HR administration tools. Employees cannot use it unless their employer subscribes and grants platform access.
Who it suits
Payflow suits employers offering eligible staff access to earned salary and flexible compensation. Employees need their employer to subscribe and grant them access before they can use it.
On the record
- API
- Payflow documents a public API for automating employee updates and retrieving transactions for payroll.docs.payflow.es · read 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 · read 3 Oct 2026
- Benefits catalog
- The app includes a catalog of exclusive employee benefits and discounts.payflow.es · read 4 Oct 2026
- Company
- Payflow says it was founded in March 2020 and lists Barcelona and Madrid as its two cities.payflow.es · read 4 Oct 2026
- Company history
- Payflow says it was founded in March 2020 to help workers improve their working lives.payflow.es · read 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 · read 3 Oct 2026
- Earned wage access
- Employees can access their accrued salary instantly at any time during the month and may advance part of their extra pay.payflow.es · read 4 Oct 2026
- Employee cost
- The site says its salary access, flexible compensation and financial education benefits are free for employees.payflow.es · read 4 Oct 2026
- Employer administration
- Employers manage Payflow and Flexflow through a cloud platform.payflow.es · read 4 Oct 2026
- Financial education
- The product includes an interactive financial education platform with lessons about personal finance habits.payflow.es · read 4 Oct 2026
- Flexible compensation
- Employees can use a card to save on meals and public transport and access benefits such as childcare and training.payflow.es · read 4 Oct 2026
- Implementation
- The product page says implementation takes 3–4 weeks and that Payflow develops the payroll integration with the customer.payflow.es · read 4 Oct 2026
- Integrations
- Payflow says it integrates with more than 60 HR and payroll systems.payflow.es · read 4 Oct 2026
- Product
- Payflow describes itself as a financial wellbeing app that gives employees access to earned wages and flexible compensation in one mobile app.payflow.es · read 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 · read 4 Oct 2026
- Security certification
- Payflow says AENOR certifies it to ISO 27001 and that it holds ENS conformity certification at medium category.payflow.es · read 3 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 · read 4 Oct 2026
- Service availability
- Payflow’s SLA states 99% monthly availability for the employee app, company administration dashboard, and public integration API.payflow.es · read 3 Oct 2026
