Worklife
Worklife is a French B2B employee benefits platform, subsidiary of Crédit Agricole, that consolidates fragmented social benefits — meal vouchers, mobility, gifts, culture, sport, vacation — onto a single Mastercard card and customizable mobile app. It serves 1,000+ enterprise and public-sector clients with usage-based pricing and zero merchant commissions.
- Company typePrivate
- Founded2011
- HeadquartersParis, France
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Worklife does
Worklife is a Paris-based B2B employee benefits platform and a wholly-owned subsidiary of Crédit Agricole. Founded under that legal entity in 2011 with the operating platform launched in 2020, the company consolidates fragmented French employee social benefits — meal vouchers (Titres-Restaurant), sustainable mobility allowances, gifts, culture, sport, vacation vouchers, remote-work indemnities, and personal services — onto a single Mastercard-branded payment card and a customizable white-label mobile/web application. The platform is anchored by four core components: the Carte Worklife (multi-benefit card with automatic expense categorization), a branded employee app (iOS/Android/web), an HR admin dashboard, and the Bilan Social Individuel (dematerialized individual social report). Worklife holds CNTR accreditation for meal vouchers and a proprietary Urssaf API integration for automatic source-tax deduction on home care payments, both regulatory and technical differentiators versus competitors.
The company operates a hybrid pricing model combining usage-based billing (employers pay only for benefits actually consumed, eliminating waste from expired vouchers) with a recurring platform subscription for admin, card issuance, and app customization. It generates revenue from over 1,000 corporate customers spanning large enterprises (Amazon France, Allianz, Saint-Gobain, Danone, Auchan, Adecco, GRDF, La Belle-Iloise), public-sector buyers (French Ministry of Armed Forces with 20,000 equipped users), and CSE committees. Its go-to-market combines direct enterprise field sales for 1,500+ employee accounts, inside-sales for the TPE/PME segment, and product-led growth via the self-serve employee app on the App Store and Google Play. A 0% merchant-commission model — versus 3.5-4.55% charged by competitors Edenred, Pluxee, and UpOne — and a partnership-supported ecosystem (Stripe, Adyen for payments; AWS Paris for hosting; Mastercard for issuance; Emile's for discounted leisure) underpin distribution.
The company is exclusively France-domiciled and France-only in card usability. Certifications include ISO 27001, GDPR compliance, and PCI DSS adherence, supported by Crédit Agricole bank-grade security. Internal R&D focus is on regulatory certifications and partner integrations rather than disclosed AI/ML capabilities; the platform's intelligence is limited to rule-based routing and expense classification. No external funding rounds are disclosed in the source data; ownership is concentrated under Crédit Agricole, with subsidiary Worklife Benefits SAS housing operating activities.
Worklife firmographics
Firmographics- Name
- Worklife
- Legal name
- Worklife SAS
- Website
- https://worklife.io
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Worklife is a French B2B employee benefits platform, subsidiary of Crédit Agricole, that consolidates fragmented social benefits — meal vouchers, mobility, gifts, culture, sport, vacation — onto a single Mastercard card and customizable mobile app. It serves 1,000+ enterprise and public-sector clients with usage-based pricing and zero merchant commissions.
- Ownership category
- akta.pro rank
Worklife industry classification
Industry- Product category
- Employee Benefits Management
- NAICS
- Professional Employer Organizations (56133), Office Administrative Services (5611), Payroll Services (541214)
- SIC
- Services-Management Services (8741), Services-Help Supply Services (7363)
- akta.pro primary industry
- Benefits Administration (BPACAPAC)
- akta.pro secondary industries
- Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF), Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Benefits Administration & Enrollment Support (BPAAAIAB)
Keywords
Where Worklife is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Worklife business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Usage-based Benefit Billing: Worklife charges employers only for benefits that are actually consumed by employees. The company does not charge setup fees or waste budget on unused benefits. This pay-per-use model eliminates lost/expired benefits and reduces employer waste.
- Platform Subscription: Employers pay for access to the admin platform, card issuance, and app customization capabilities. Pricing is likely tiered based on company size and number of benefits deployed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Pay-per-use model with no fixed costs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels11 records
Worklife product offering
Product offeringCore offering
Worklife operates a unified employee benefits management platform that consolidates multiple benefit types (meal vouchers, mobility allowances, gifts, culture, sport, vacation, remote work, personal services) onto a single Mastercard-branded payment card and a customizable mobile/web application. The platform enables employers to centrally administer all employee social benefits with usage-based billing, while employees access all benefits through one branded card with automatic expense categorization at the point of sale.
Product overview
Worklife is a unified employee benefits management platform that consolidates all social benefits onto a single multi-benefit Mastercard card and a customizable mobile/web application branded to the employer's identity. The platform comprises four core components: (1) the Carte Worklife, a unified payment card that automatically categorizes expenses by benefit type; (2) the Application Mobile Worklife for employees to track spending and access benefits; (3) the Espace Administrateur dashboard for HR teams to manage benefits and track usage; and (4) the Bilan Social Individuel, a dematerialized individual social report. The platform offers 16 distinct employee benefit products covering meal vouchers (Titres-Restaurant), mobility (Forfait Mobilités Durables, Prime Transport, Crédit Mobilité, Transports Publics), work-life balance (Indemnité Télétravail, Services à la Personne), and lifestyle benefits (Cadeaux, Culture, Sport, Vacances, Avantages Personnalisés). Worklife operates on a 0% commission model for merchants and restaurants, distinguishing it from competitors Edenred, Pluxee, and UpOne. The company also offers a specialized solution for public sector organizations and associations.
Differentiator
Problem solved
Functional benefit
Products and services
- Carte Worklife (Multi-Benefit Card) A single Mastercard-branded payment card that consolidates all employee benefits (meal vouchers, mobility, gifts, culture, sport, vacation vouchers, remote work allowance, personal services) into one payment method with automatic expense categorization and employer/employee split at point of sale.
- Application Mobile Worklife Customizable mobile application (iOS and Android) branded to the employer's colors and logo that allows employees to track expenses in real-time, view benefit balances, receive push notifications, and manage their multi-benefit card.
- Espace Administrateur (Administrator Dashboard) HR management interface for managing all employee benefits, sending notifications to employees, tracking detailed usage data, and adjusting social policy based on observed usage patterns.
- Bilan Social Individuel First dematerialized individual social report allowing employees to understand their total remuneration and social benefits received during the past year, including net salary and supplementary benefits, with a 62% increase in perceived value of benefits reported by employees.
- Titres-Restaurant Digital meal vouchers accepted at 100% of CNTR-affiliated restaurants and retailers. Worklife is an accredited CNTR issuer. As of January 2027, dematerialization becomes mandatory for all meal voucher issuers.
- Forfait Mobilités Durables
Quantifiable outcome
- 27% savings achieved through centralization of all social benefits
- +4 more outcomes
Companies that use Worklife
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles5 records
Worklife technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
Worklife partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- StripecoreStripe Technology Europe serves as one of Worklife's payment service providers for electronic money account opening, debit card issuance, and payment processing. Worklife and Stripe act as independent data controllers in this arrangement.
- AdyencoreAdyen NV serves as Worklife's alternative payment service provider for electronic money account opening, debit card issuance, and payment processing. Worklife and Adyen act as independent data controllers in this arrangement.
- Amazon Web Services (AWS)coreAWS provides cloud hosting infrastructure for Worklife's platform. Customer data is hosted on AWS servers in the Paris region (France) for EU data residency compliance.
- Emile'sminorEmile's provides discounted ticketing services (cinema, shows, press, leisure, vacation) integrated into the Worklife app, offering employees additional savings opportunities worth up to €1,400 per year.
- CNTR (Commission Nationale des Titres-Restaurant)coreWorklife is an accredited meal voucher issuer affiliated with CNTR, enabling the company to issue and manage digital meal vouchers accepted at all CNTR-affiliated restaurants and merchants.
- UrssafcoreWorklife has created an API integration with Urssaf for automatic handling of income tax withholding at source when employees pay for home care services, enabling simplified employment declaration for personal services.
- MastercardcoreWorklife issues Mastercard debit cards for employee benefits payments, leveraging the global Mastercard acceptance network for seamless merchant payments.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Worklife competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Worklife social profiles
Digital presenceWorklife compliance and trust
Trust signalCompliance4 records
Worklife financial estimates
Financial estimateRevenue estimate
Valuation estimate
Worklife leadership team
Management profileNumber of profiles
Profiles3 records
Worklife subsidiaries and ownership
Company hierarchySubsidiaries1 record
Worklife funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Worklife M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Worklife
What does Worklife do?
Worklife operates a unified employee benefits management platform that consolidates multiple benefit types (meal vouchers, mobility allowances, gifts, culture, sport, vacation, remote work, personal services) onto a single Mastercard-branded payment card and a customizable mobile/web application. The platform enables employers to centrally administer all employee social benefits with usage-based billing, while employees access all benefits through one branded card with automatic expense categorization at the point of sale.
Is Worklife a public or private company?
Worklife is a private company. It is classified as corporate owned and is currently operating.
When was Worklife founded?
Worklife was founded in 2011. It employs 51 to 100 people.
Where is Worklife based?
Worklife is headquartered in Paris, France, in the Europe region.
How does Worklife make money?
Two revenue lines are on record. Usage-based Benefit Billing is the primary driver. The others are platform Subscription.
Does Worklife have an API?
Yes. Worklife has built an API with URSSAF for processing digital CESU (Chèque Emploi Service Universel) payments, enabling automatic source tax deduction when paying home care service providers. The platform integrates with payment service providers Stripe and Adyen for payment processing and card issuance, and uses Braze for push notification and email communications. The comparison pages mention an interface compatible with all HRIS and payroll software.
What industry is Worklife in?
Worklife's product category is Employee Benefits Management. Its primary akta.pro industry code is BPACAPAC, Benefits Administration, with a secondary code of BPACAIAF, Workforce Benefits Administration (Enrollment & Deductions). Its NAICS code is 56133 and its SIC code is 8741.