PCompany · Fintech
Payflow
Payflow is a Spanish fintech offering earned wage access ("salario bajo demanda") and flexible compensation benefits through a mobile app, letting employees withdraw already-earned salary before payday and access other financial wellness perks. It serves 1,000+ B2B clients (NH Hotel Group, Masmovil, Correos, Alcampo, Quirón, DomusVi) across hospitality, telecom, healthcare, logistics and retail, integrating with 60+ HR/payroll systems. Founded in 2020 (YC S21 batch), it has raised roughly €24M in equity plus €27M in debt (including a €20M BBVA Spark facility) and is expanding into Portugal and Latin America (Peru, Colombia).
Founded
2020
Founders
2
News
5
Rounds
9
Investors
15
SectorsFintech, HR & Future of Work
Start-up MapFintech › Consumer credit & financial inclusion
Profile updated 26 Jul 2026
Founders
A
Avinash Sukhwani
Co-founder
B
Benoit Menardo
Co-founder
Global models 5
DDailyPay
United States · www.dailypay.com ↗
The largest global earned wage access platform, letting employees draw already-earned pay before payday via employer integrations, the same core model as Payflow.
$1.0BComparable
WWagestream
United Kingdom · wagestream.com ↗
UK-based earned wage access and financial wellness app for employers, closely mirroring Payflow's on-demand pay plus financial benefits approach.
$200MComparable
PPayactiv
United States · www.payactiv.com ↗
Pioneer of earned wage access as an employee benefit integrated with payroll systems, the same B2B EWA model Payflow runs in Spain.
$100MComparable
BBranch
United States · www.branchapp.com ↗
Employer-integrated app offering on-demand pay and financial tools to hourly/shift workers, directly comparable to Payflow's app-based EWA offering.
$110MComparable
C
Clair
United States · www.clairapp.com ↗
Fintech providing free instant access to earned wages plus a banking app for employees, matching Payflow's combination of EWA and financial superapp features.
$60MComparable
Investors 15
66 Degrees Capital
AAbac Nest
abacnest.abaccapital.com
CCathay Innovation
www.cathayinnovation.com
CConexo Ventures
conexo.vc
CCusp Capital
FForce Over Mass Capital
GGED Conexo Ventures
IItnig
itnig.net
LLanai Partners
lanai.vc
PPlug and Play Tech Center
plugandplaytechcenter.com
RRebel Fund
SSeaya Ventures
www.seaya.vc
TThomson Reuters Ventures
WWayra
www.wayra.com
YY Combinator
Funding rounds 9
News & media 5
| Published | Article |
|---|---|
| 2026-06-16 |
Why LATAM founders are finding their feet in Europe ↗
EU-Startups
|
| 2026-02-20 |
La tecnológica Payflow se lanza a la búsqueda de un socio estratégico (contrata a Arcano para preparar su venta) ↗
El Economista
|
| 2025-06-02 |
Madrid-based Payflow raises €10 million to expand their Earned Wage Access platform across Europe and LAM ↗
EU-Startups
|
| 2024-07-24 |
Barcelona-based Payflow raises €6 million to expand flexible salary in Iberian and Latam markets ↗
EU-Startups
|
| 2023-09-18 |
Barcelona-based Payflow secures €20 million to further expand with its financial well-being solution ↗
EU-Startups
|