Refyne is Asia’s #1 holistic Financial Wellness Suite. The suite
consists of Salary On-Demand, Salary Top Up, Money Guru, and Pocket
Insurance. These solutions focus on relieving financial stress that would otherwise
distract employees, reduce productivity, and ultimately cause attrition.
Refyne works with a host of organisations helping them unlock an engaged &
stress-free workforce at zero cost, zero liability, and zero impact on cash flow.
Any organisation - private company, NGO, or government entity can sign up with Refyne's Financial Wellness Platform. Refyne's services can be accessed by on-roll and off-roll employees.
Credit cards are accessible by less than 4% of Indians and often
come with high interest rates ranging between 24% p.a to 52.86% p.a.
On the
contrary, Refyne's Financial Wellness Platform provides interest-free access
to liquidity to the underserved masses with zero or limited credit history.
Employees can access Refyne via the Android app, iOS app, website, and WhatsApp. Employees can login via their registered email or phone number on the app or website. On WhatsApp, they can access Refyne by sending a ‘Hi’ to +91 81477 90725.
Your company will need to enter into a partnership with Refyne.
Post which your employees can access Refyne’s services.
An Account Manager
provides the necessary support and guidance throughout the integration,
deployment, and launch process.
It takes between 1 to 4 weeks for a company to offer Refyne's services to its employees.
Attendance and payroll data can be shared with Refyne either manually or through integration. Refyne integrates seamlessly with HRMS, Payroll, or Attendance systems, eliminating extra effort from the HR team.
Refyne's Financial Wellness Platform comes at zero liability and zero risk to companies. Your company will not be held liable for any funds withdrawn by its employees.
As an employer, there are no charges to partner with Refyne. You
can offer Refyne's Financial Wellness Platform to your employees at zero cost, zero
risk, and zero liability. Since the funds are provided by Refyne, there
is no impact on working capital either.
Employees will be charged a
transaction fee when they access funds. There is no interest fee or any other hidden
charges.
Providing access to the Financial Wellness Suite requires various partners like banking, technology, and payroll to integrate and work together. The processing fee enables Refyne to provide the Financial Wellness Platform and access to funds at zero interest and no hidden charges.
Refyne is available in over 11 vernacular languages.
No. Access to Refyne is restricted once an employee exits the company.
There is no risk to your company as liability sits on Refyne's book of accounts. Once the full-and-final is processed, your company can settle the amount with Refyne.
You can reach Refyne's customer support via telephone and email.
Phone - +91 7406343332
Email - support@refyne.co.in
For sales-related queries,
please write to
queries@refyne.co.in.
Salary On-Demand or Earned Wage Access is a service that enables
your company to offer employees access to a portion of your earned but unpaid
salary, any time before payday.
Your company can make this solution
available to employees by partnering with Refyne at zero cost, zero risk, and zero
liability. And since Refyne funds the amount, there is no impact on the working
capital either.
Once your company establishes a partnership with Refyne, on-roll and off-roll employees will be able to access Salary On-Demand. Employees will be able to withdraw a portion of their earned salary for a transaction fee. Refyne reconciles with the payroll at the end of the month.
With Salary On-Demand, your employees can withdraw a portion of the earned salary based on their attendance. The employer can customise the percentage of earned salary that can be withdrawn.
No, Salary On-Demand lets employees withdraw only a portion of their earned salary, which is less than their monthly salary.
Salary On-Demand or Earned Wage Access is not a loan and hence there will be no impact on your employee’s credit score.
Salary On-Demand is credited to employees bank account within 60 seconds.
Yes, employees can make multiple withdrawals in a month.
Refyne offers 1-on-1 sessions with SEBI or CFP authorised
financial advisors. Financial coaches will help employees manage finances and plan
investments.
Available in vernacular languages, employees at partnered companies can
avail of this service free of cost.
An employee can book an appointment through the Refyne app by filling out a form with contact details, preferred language, and time. After which, an appointment is scheduled with the financial coach.
Companies can make this service available to their on roll and off roll employees at zero cost.
Salary Top Up enables your company to provide employees access to
funds up to 1.5x of their monthly salary at zero interest. Your employees can
withdraw funds for a transaction fee without any hidden charges.
Your
company can make this solution available to employees by partnering with Refyne at
zero cost and zero liability. And since Refyne funds the amount, there is no impact
on the working capital either.
Your employees will be able to access Salary Top Up once your company partners with Refyne. Eligible employees will be able to withdraw funds upto 1.5x of their monthly pay. The withdrawn amount is repaid to Refyne in monthly installments. The EMI is deducted from the salary on pay day and the balance is credited into the employee's account.
Salary On-Demand enables employees to access a portion of their earned salary before payday. While Salary Top Up unlocks further liquidity by giving employees access to funds up to 1.5x of their monthly salary.
Salary Top Up enables employees to withdraw upto 1.5x of their monthly salary at any given time.
Salary Top Up can have a positive impact on an employee’s credit score. It opens an opportunity for employees with no credit history to build their credit score.
Your company needs to partner with Refyne to make the services
accessible to you. You can reach out to your HR team to know if Refyne's services
are available.
If your company has not partnered with Refyne yet, you can
kick-start the conversation by writing to queries@refyne.co.in and looping in your
HR team.
You can access Refyne via Android app, iOS app, web interface, and WhatsApp. You can login via your registered email or phone number on the app or website. On Whatsapp, you can access Refyne by sending a ‘hi’ to +91 81477 90725.
Credit cards are accessible by less than 4% of Indians and often
come with high-interest rates ranging between 24% p.a to 52.86% p.a.
On the
contrary, Refyne's Financial Wellness platform provides interest-free
liquidity access to the underserved masses, with zero or limited credit history.
Unlike other financial products, Refyne does not charge interest, convenience, or documentation charges. We only charge a transaction fee.
Providing access to the Financial Wellness Suite requires various partners like banking, technology, and payroll to integrate and work together. The transaction fee enables Refyne to provide the suite and access to funds at zero interest and no hidden charges.
Refyne does not charge any interest. You just need to pay a transaction fee while withdrawing funds.
Your HR team has to activate your account. Once activated, you can
download the Refyne app and sign up using your registered mobile number or email id.
You can also access Refyne's Salary On-Demand services via WhatsApp.
Please note that login is via one-time-password(OTP) that is sent to your
registered email id or phone number.
You can change the language by tapping on the (three-line) menu icon on the top right corner of the Refyne app and selecting the preferred language from the drop-down. Refyne currently supports 11 vernacular languages.
You can reach Refyne's customer support via telephone and email.
Phone - +91 7406343332
Email -
support@refyne.co.in
Salary On-Demand or Earned Wage Access is a service that allows you to access a portion of your earned but unpaid salary any time before payday. The balance portion of your salary will be credited to your account on payday. This is not a loan and can be accessed at zero interest.
Salary On-Demand will be activated once your company partners with Refyne. You will be able to withdraw your earned salary based on your attendance and limits set by your company. Refyne automatically reconciles with your payroll at the end of the month and the balance portion of your salary is credited to your account on payday.
With Salary On-Demand, you can withdraw a portion of the earned salary based on your company policy. Your company decides the percentage of earned salary that can be withdrawn.
Salary On-Demand or Earned Wage Access is not a loan, hence there will be no impact on your credit score.
With Salary On-Demand, funds are credited to your bank account within 60 seconds.
Yes, an employee can make multiple withdrawals in a month.
Refyne offers 1-on-1 sessions with SEBI or CFP authorised
financial advisors. Financial coaches will help you manage finances and plan
investments.
Available in multiple vernacular languages, you can avail of this service
free of cost.
You can book an appointment through the Refyne app by filling out a form with contact details, preferred language, and time. After which, an appointment is scheduled with the financial coach.
Employees at Refyne-partnered companies can avail this service completely free of cost.
Salary Top Up by Refyne enables you to access upto 1.5x of your monthly salary at zero interest. You can withdraw funds for a transaction fee without hidden charges. Your company can make this available to you by partnering with Refyne.
You will be able to access Salary Top Up once your company partners with Refyne. You will be able to withdraw an amount upto 1.5x of your monthly pay. The withdrawn amount is repaid to Refyne in monthly deductions. The EMI is deducted from your salary on pay day and the balance is credited into your bank account.
Salary Top Up enables you to withdraw upto 1.5x of your monthly salary at any given time.
Salary Top Up can have a positive impact on your credit score. It opens up an opportunity for you to build your credit score.
With Salary Top Up, funds are credited to your bank account within 2 working days.
Salary On-Demand enables you to access a portion of your earned salary before payday. While Salary Top Up unlocks further liquidity by giving you access to funds up to 1.5x of your monthly salary.
Refyne is Asia’s #1 holistic Financial Wellness Suite. The
suite consists of Salary On-Demand, Salary Top Up, Money Guru, and
Pocket Insurance. These solutions focus on relieving financial stress that
would
otherwise distract employees, reduce productivity, and ultimately cause
attrition.
Refyne works with a host of organisations helping them unlock an
engaged & stress-free workforce at zero cost, zero liability, and zero
impact on cash flow.
Any organisation - private company, NGO, or government entity can sign up with Refyne's Financial Wellness Platform. Refyne's services can be accessed by on-roll and off-roll employees.
Credit cards are accessible by less than 4% of Indians and
often come with high interest rates ranging between 24% p.a to 52.86% p.a.
On the contrary, Refyne's Financial Wellness platform provides
interest-free access to liquidity to the underserved masses with zero or
limited credit history.
Employees can access Refyne via the Android app, iOS app, website, and WhatsApp. Employees can login via their registered email or phone number on the app or website. On WhatsApp, they can access Refyne by sending a ‘Hi’ to +91 81477 90725.
Your company will need to enter into a partnership with
Refyne. Post which your employees can access Refyne’s services.
An
Account Manager provides the necessary support and guidance throughout the
integration,
deployment, and launch process.
It takes between 1 to 4 weeks for a company to offer Refyne's services to its employees.
Attendance and payroll data can be shared with Refyne either manually or through integration. Refyne integrates seamlessly with HRMS, Payroll, or Attendance systems, eliminating extra effort from the HR team.
Refyne's Financial Wellness Platform comes at zero liability and zero risk to companies. Your company will not be held liable for any funds withdrawn by its employees.
As an employer, there are no charges to partner with
Refyne. You can offer Refyne's Financial Wellness Platform to your employees
at zero cost, zero risk, and zero liability. Since the funds are provided by
Refyne,
there is no impact on working capital either.
Employees will be
charged a transaction fee when they access funds. There is no interest fee
or any other hidden charges.
Providing access to the Financial Wellness Suite requires various partners like banking, technology, and payroll to integrate and work together. The processing fee enables Refyne to provide the Financial Wellness Platform and access to funds at zero interest and no hidden charges.
Refyne is available in over 11 vernacular languages.
No. Access to Refyne is restricted once an employee exits the company.
There is no risk to your company as liability sits on Refyne's book of accounts. Once the full-and-final is processed, your company can settle the amount with Refyne.
Refyne stores sensitive data securely behind a firewall, which is accessible only to parties with explicit authorisations and permissions. Additionally, Refyne is ISO 27001 and VAPT Certified, compliant with RBI, labour laws, and GDPR guidelines.
You can reach Refyne's customer support via telephone and
email.
Phone - +91 7406343332
Email - support@refyne.co.in
For sales-related
queries, please write to queries@refyne.co.in.
Salary On-Demand or Earned Wage Access is a service that
enables your company to offer employees access to a portion of your earned
but unpaid salary, any time before payday.
Your company can make
this solution
available to employees by partnering with Refyne at zero cost, zero risk,
and zero liability. And since Refyne funds the amount, there is no impact on
the working capital either.
Once your company establishes a partnership with Refyne, on-roll and off-roll employees will be able to access Salary On-Demand. Employees will be able to withdraw a portion of their earned salary for a transaction fee. Refyne reconciles with the payroll at the end of the month.
With Salary On-Demand, your employees can withdraw a portion of the earned salary based on their attendance. The employer can customise the percentage of earned salary that can be withdrawn.
No, Salary On-Demand lets employees withdraw only a portion of their earned salary, which is less than their monthly salary.
Salary On-Demand or Earned Wage Access is not a loan and hence there will be no impact on your employee’s credit score.
Salary On-Demand is credited to employees bank account within 60 seconds.
Yes, employees can make multiple withdrawals in a month.
Refyne offers 1-on-1 sessions with SEBI or CFP authorised
financial advisors. Financial coaches will help employees manage finances
and plan investments.
Available in vernacular languages, employees at
partnered
companies can avail of this service free of cost.
An employee can book an appointment through the Refyne app by filling out a form with contact details, preferred language, and time. After which, an appointment is scheduled with the financial coach.
Companies can make this service available to their on roll and off roll employees at zero cost.
Salary Top Up enables your company to provide employees
access to funds up to 1.5x of their monthly salary at zero interest. Your
employees can withdraw funds for a transaction fee without any hidden
charges.
Your company can make this solution available to employees by
partnering with Refyne at zero cost and zero liability. And since Refyne
funds the amount, there is no impact on the working capital either.
Your employees will be able to access Salary Top Up once your company partners with Refyne. Eligible employees will be able to withdraw funds upto 1.5x of their monthly pay. The withdrawn amount is repaid to Refyne in monthly installments. The EMI is deducted from the salary on pay day and the balance is credited into the employee's account.
Salary On-Demand enables employees to access a portion of their earned salary before payday. While Salary Top Up unlocks further liquidity by giving employees access to funds up to 1.5x of their monthly salary.
Salary Top Up enables employees to withdraw upto 1.5x of their monthly salary at any given time.
Salary Top Up can have a positive impact on an employee’s credit score. It opens an opportunity for employees with no credit history to build their credit score.
Your company needs to partner with Refyne to make the
services accessible to you. You can reach out to your HR team to know if
Refyne's services are available.
If your company has not partnered with
Refyne yet,
you can kick-start the conversation by writing to queries@refyne.co.in and
looping in your HR team.
You can access Refyne via Android app, iOS app, web interface, and WhatsApp. You can login via your registered email or phone number on the app or website. On WhatsApp, you can access Refyne by sending a ‘hi’ to +91 81477 90725.
Credit cards are accessible by less than 4% of Indians and
often come with high-interest rates ranging between 24% p.a to 52.86% p.a.
On the contrary, Refyne's Financial Wellness platform provides
interest-free liquidity access to the underserved masses, with zero or
limited credit history.
Unlike other financial products, Refyne does not charge interest, convenience, or documentation charges. We only charge a transaction fee.
Providing access to the Financial Wellness Suite requires various partners like banking, technology, and payroll to integrate and work together. The transaction fee enables Refyne to provide the suite and access to funds at zero interest and no hidden charges.
Refyne does not charge any interest. You just need to pay a transaction fee while withdrawing funds.
Your HR team has to activate your account. Once activated,
you can download the Refyne app and sign up using your registered mobile
number or email id. You can also access Refyne's Salary On-Demand services
via
WhatsApp.
Please note that login is via one-time-password(OTP) that is sent to
your registered email id or phone number.
You can change the language by tapping on the (three-line) menu icon on the top right corner of the Refyne app and selecting the preferred language from the drop-down. Refyne currently supports 11 vernacular languages.
You can reach Refyne's customer support via telephone and
email.
Phone - +91 7406343332
Email - support@refyne.co.in
Salary On-Demand or Earned Wage Access is a service that
enables your company to offer employees access to a portion of your earned
but unpaid salary, any time before payday.
Your company can make
this solution
available to employees by partnering with Refyne at zero cost, zero risk,
and zero liability. And since Refyne funds the amount, there is no impact on
the working capital either.
Once your company establishes a partnership with Refyne, on-roll and off-roll employees will be able to access Salary On-Demand. Employees will be able to withdraw a portion of their earned salary for a transaction fee. Refyne reconciles with the payroll at the end of the month.
With Salary On-Demand, your employees can withdraw a portion of the earned salary based on their attendance. The employer can customise the percentage of earned salary that can be withdrawn.
No, Salary On-Demand lets employees withdraw only a portion of their earned salary, which is less than their monthly salary.
Salary On-Demand or Earned Wage Access is not a loan and hence there will be no impact on your employee’s credit score.
Salary On-Demand is credited to employees bank account within 60 seconds.
Yes, employees can make multiple withdrawals in a month.
Refyne offers 1-on-1 sessions with SEBI or CFP authorised
financial advisors. Financial coaches will help employees manage finances
and plan investments.
Available in vernacular languages, employees at
partnered
companies can avail of this service free of cost.
You can book an appointment through the Refyne app by filling out a form with contact details, preferred language, and time. After which, an appointment is scheduled with the financial coach.
Employees at Refyne-partnered companies can avail this service completely free of cost.
Salary Top Up by Refyne enables you to access upto 1.5x of your monthly salary at zero interest. You can withdraw funds for a transaction fee without hidden charges. Your company can make this available to you by partnering with Refyne.
You will be able to access Salary Top Up once your company partners with Refyne. You will be able to withdraw an amount upto 1.5x of your monthly pay. The withdrawn amount is repaid to Refyne in monthly deductions. The EMI is deducted from your salary on pay day and the balance is credited into your bank account.
Salary Top Up enables you to withdraw upto 1.5x of your monthly salary at any given time.
Salary Top Up can have a positive impact on your credit score. It opens up an opportunity for you to build your credit score.
With Salary Top Up, funds are credited to your bank account within 2 working days.
Salary On-Demand enables you to access a portion of your earned salary before payday. While Salary Top Up unlocks further liquidity by giving you access to funds up to 1.5x of your monthly salary.