Payflow

Earned wage access platform
Last updated:
January 31, 2026
Company details
HQ
HEADCOUNT
25-99
ORG TYPE
Startup
SECTOR
Finance
About the company
Payflow is an earned wage access and financial wellness platform sold to employers as an employee benefit, letting workers access already-earned pay between paydays. Payflow also markets adjacent products like flexible compensation and financial education inside the same mobile app. Payflow was founded in March 2020 by Avinash Sukhwani and Benoît Menardo, and has scaled across Iberia and parts of Latin America with a multi-country team setup. Recent funding coverage points to continued growth investment through 2025.
Locations and presence
Payflow is headquartered in Madrid with an additional hub in Barcelona. Public company materials also list operational presence across Bogotá, Lisbon, and Lima.
Palpable Score
49.9
/ 100
Payflow has some real early-career entry points, but the junior funnel looks narrow and inconsistent compared with the company’s overall growth and multi-country footprint. The biggest score caps are limited public pay ranges and thin, early-career-specific outcome evidence beyond general employee sentiment and hiring anecdotes.
Pillar 1: Early-career access

Score

9.9
/ 20
  • The company has advertised early-career roles like Junior Operations Associate with a 1–2 year experience bar, which is reachable for many first or second job candidates.
  • Payflow’s most visible engineering opening in the evidence reviewed was a Full Stack Developer role set at 3+ years, which signals that technical entry-level access is not a consistent theme.
  • The company does not show a steady stream of “Junior”, “Associate”, internship, or graduate-track roles in one always-on place, so entry-level access looks intermittent.

Pillar 2: Hiring fairness and transparency

Score

13.6
/ 20
  • The company has multiple public candidate accounts describing structured, staged interviews, including a recruiter screen and a final conversation with a co-founder.
  • Payflow commonly uses role-relevant assessments (case study style steps are described by candidates), which can be fair when aligned to the job.
  • The company also has candidate reports of longer, multi-round processes with heavy analytical questioning, and the time burden is not clearly timeboxed in the public evidence.

Pillar 3: Learning and support

Score

9.1
/ 20
  • The company’s product area (payroll, HR integrations, financial benefits) can create strong “learn fast” exposure for junior ops and commercial roles because the work touches real customer workflows.
  • Payflow does not publish clear onboarding, mentoring, pairing, or a training budget in the hiring evidence reviewed, so support is hard to predict before joining.
  • The company’s public job signals focus more on performance and “testing” than on coached ramp plans, which limits confidence for candidates who need structured early-career scaffolding.

Pillar 4: Pay fairness and stability

Score

8.7
/ 20
  • The company has at least one publicly listed salary range for a technical role, which is a positive signal on transparency even though the role is not junior.
  • Payflow does not consistently publish salary bands for early-career roles, and benefits detail is not presented in a way that lets juniors easily benchmark total package value.
  • The company’s public hiring materials sometimes push compensation discussion onto candidates (salary expectation style flows), which tends to disadvantage early-career applicants.

Pillar 5: Early-career outcomes

Score

8.6
/ 20
  • The company has a meaningful volume of employee sentiment available publicly with a mid-range overall rating and a moderate “recommend to a friend” rate, which points to mixed outcomes.
  • Payflow has recent growth signals in funding and market expansion reporting, but that does not confirm junior retention or promotion after 12–24 months.
  • The company does not publish early-career progression markers like “junior to mid” story examples, cohort promotion rates, or retention snapshots, so outcomes for graduates remain hard to validate.

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