What it sells
A mobile app. It allows employees to get paid their salary on-demand.
Business model breakdown
Buyer: who owns the budget?
UnverifiedHR / people leaders at employers who offer Payflow as a benefit.
Trigger: what makes them buy now?
Absenteeism and turnover; site claims clients see 8% lower absenteeism and 21% lower turnover.
Workflow: what inputs become what output?
Employee opens the app, draws part of earned salary at any time in the month (e.g. 300 euro of 500 euro accrued); the advance is deducted from the end-of-month payroll; also a card for flexible benefits and a financial education platform.
Economics: what it saves and how it charges
UnverifiedFree to employees; employer-side fees not stated (likely employer subscription or fees on flexible-benefit card).
Distribution: how it reaches customers
Demo-led ('Book a meeting'), active in Spain, Portugal, Colombia and Peru; claims 1,000+ companies.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.