UpOne vs Worklife: two multi-benefit employee solutions

UpOne, the integrated solution from historic player Upcoop vs. Worklife, a multi-benefit technological issuer.

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Worklife vs UpOne

Enhance the purchasing power you offer your employees

UpOne and Worklife offer integrated, multi-benefit solutions designed to simplify the user experience, streamline spending and reinforce adherence to the schemes in place.

UpOne, launched by Upcoop, a cooperative society with a mission, is a logical extension of the company's traditional meal voucher offering. It offers a digital solution covering the following benefits: lunch, mobility, gifts, culture, sport & leisure and vacations. The teleworking benefit is announced as "coming soon".

Upcoop's business model is based on a system of affiliation and commissions : retailers and restaurateurs must join Upcoop's network of partners in order to accept payment with Upcoop cards, and grant the issuer a pre-negotiated commission which, according to the French Competition Authority, is between 3.5% and 4.55%.

Worklife, a subsidiary of Crédit Agricole, offers a solution that transforms meal vouchers into commitment vouchers. The meal voucher app is the company tool most consulted by employees (ahead of the intranet and the corporate social network). By offering a solution integrating meal vouchers and all other employee benefits on a single card and a single app customized in the company's colors, Worklife enhances the value of the entire social policy. Employees are exposed on an almost daily basis to the benefits available to them, and become aware that their company is the initiator of these benefits, and not a third-party issuer.

Worklife charges no commission to merchants or restaurateurs (only the standard bank charges for a card transaction are applied to the merchant or restaurateur acquirer), which broadens the possibilities for card acceptance. As there are no commissions, all establishments are directly able to accept payments with the Worklife card.

For HR departments, the platform integrates an administrator area and reporting tools enabling them to monitor the use of the various benefits and adjust the social policy according to the data observed.

Compare features

UpOne
Worklife
Trustpilot* rating
4,5
4,4
Mobile application (iOS & Android) and webapp
0% commission from restaurateurs and retailers
Acceptance network for 100% of CNTR-approved brands
Multi-benefits on a single payment card
Payment card with personalized logo from 1 unit ordered
Application can be customized with your logo and colors
Restaurant and retailer partnerships (exclusive prices)
Donations of meal vouchers to associations
Integration of your third-party HR tools and benefits (health insurance, employee savings, etc.) into the app
HR interface compatible with all HRIS and payroll applications
Automatic detection of order file errors for instant correction without reloading the file
Push notifications can be written and sent to your employees via the app
Possibility of presenting an Individualized Social Report in the app
*Data as of June 19, 2025
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Your frequently asked questions about Worklife

Discover our HR portal

Absolutely, headhere to request a demo. Our team will quickly get back to organise your personalised demo.

For HR teams
1. An admin interface to manage all the benefits offered by your company. 
2. The possibility to communicate with your employees from the interface directly to the Worklife app.

For employees: 
1. A Visa payment card to finance all expenses related to the benefits offered by their company.  
2. An application to follow their expenses in real-time. 
3. Access notifications via the application be informed of the latest important information HR communicate to them. 
Have a look at some of our happy clients here.

Financing employee benefits via the pay slip can be a real headache, and HR teams can find it a real hassle to manage receipts. Financing benefits via the Worklife payment card allows you to automate this 100%! You choose the amount of the allowance and the share of funding per benefit and per employee from your admin interface; your employees benefit by simply paying with their card. The card detects the type of expense, assigns it to the right benefit and allocates the employer/employee share instantly at the time of payment. Saving time and money for everyone.

Choosing Worklife means standing out from the crowd

Our obsession: to enable you to have an ecological, economic and social impact through your benefits and compensation policy.

The only all-in-one employee benefits platform

An all-in-one solution integrated with your HR tools to optimize and develop your employee benefits strategy.

The only solution that enhances your employer brand

It's your organization that stands out, not Worklife! Your employees finally realize what you do for them.

The largest acceptance network

The largest network of merchant partners, whatever the benefit. No commissions, no restrictions.

Free, highly responsive customer service

Daily support for your users, to guarantee an optimal employee experience.

Leader in responsible benefits

In the field of sustainable mobility, and the only provider of meal vouchers with a 0% commission ethical business model.

Usage-only billing

You're only billed for employee benefits once they've been used. No more losses, no more wasted budgets.

Behind thousands of success stories is Worklife.

Discover our case studies

More than 300 companies already rely on us.