The modern benefits card layer
The benefits experience is judged at the swipe.
Give members a modern way to access supported benefits while keeping the administration and partner relationships already working behind them.
Member name
JORDAN REED
Wallets
Health FSA
$857.82
HSA
$2,400.00
Commuter
$85.00
Wage Parity
$1,047.82
One modern credential. Virtual card when funding clears. Plastic if you want it.
Illustrative demo data. Names, balances and figures are fictional.
The product
One card is only the beginning.
Bringing supported benefits onto one modern credential simplifies what members carry. The experience is defined by what happens when that credential is used.
A transaction should leave an answer behind.
When a member has a question, the transaction should not disappear into a black box. Support and partners get usable context around what happened.
One card is only the beginning.
Bringing supported benefits onto one modern credential simplifies what members carry. The experience is defined by what happens when that credential is used.
Upgrade the card experience. Not the entire benefits stack.
Keep payroll, the TPA, documents, and the client relationship. Phase 3 sits behind the card members actually feel.
Built for how people pay now
Spend from the phone when funding clears.
Many benefit cards still wait on the mail. We issue a virtual card when the program funds, then add it to mobile wallets with one tap. Prefer no plastic at all? Run the whole program virtual. Chip cards stay available when you want them.
- Virtual card ready when enrollment and funding clear
- One tap into mobile wallets from the member app
- Virtual, virtual with plastic later, or plastic for everyone
Watch the engine
One swipe. Watch the software decide.
Balances stay live across scenarios. Run the guided story, or pick a merchant. The split charge and the explained decline are the ones to watch.
Merchant scenarios
Suggested next:
Decision trace
Press Run the story for the full six-swipe arc, or pick a merchant. Keyboard: Tab to a scenario, Enter to run.
How we sit
Upgrade the card experience. Not the entire benefits stack.
Your administration stays yours. Phase 3 sits at the card and the moment members actually feel.
Your existing stack
- Payroll / HCM
- Eligibility
- Existing TPA
- Plan administration
- Documents and testing
- Broker relationships
Phase 3 Benefits
The modern card layer
- Card and credential
- Member experience
- Transaction context
- Supported program configuration
- Substantiation and support
- Partner surfaces and events
The member moment
- Checkout
- Mobile wallet
- Card
- App
- Transaction answer
- Support
Adoption
Start where change is easy. Expand at renewal.
You do not need to reopen every existing relationship to introduce a better card experience. Land on a supported program. Expand when the year turns.
01
Start
Introduce a supported program without unnecessarily disrupting the existing benefits administration stack.
02
Learn
Establish integrations, member adoption, support patterns, and partner operations.
03
Expand
Evaluate adding additional supported benefit programs at renewal or open enrollment.
Who it's for
Modernize the card. Keep the book.
Employers, brokers, TPAs, PEOs, and payroll. Same card layer. Different conversations. Your brand stays in front.
Employers
Fewer cards. A member experience people will actually use. One path for finance.
See this pathBrokers
A land motion you can sell this quarter. Keep the TPA. Expand at renewal.
See this pathTPAs
White label the member card. Keep documents, testing, and the client relationship.
See this pathPEOs
One brand across many employers. One card. Different wallets underneath.
See this pathPayroll / HCM
A modern card next to the deduction. Eligibility in. Funding out. Your system of record stays yours.
See this pathWage laws
Required benefits with a ledger an examiner can follow. Not another spreadsheet.
See this pathScope boundary
Modernize the card. Keep the book.
We run the modern card layer. Plan documents, testing, and ERISA work stay with the partners who already do them.
We do
- Card issuing and processing
- Member access and transaction context
- Substantiation, automated and reviewed
- Member support
- Admin portal and reporting
- Funding, settlement, and reconciliation
- Audit packets for wage law programs
- Eligibility and contribution integrations
We do not
- Plan documents, SPDs, or wrap documents
- Nondiscrimination testing
- Form 5500 preparation
- COBRA administration
- ERISA advisory or plan design
- Brokerage or fiduciary services
Insights
Written for the room. Not for page views.
All buyers
What happens after a benefits swipe
The merchant asks for money. The useful part is the context that remains: what paid, what did not, and who can explain it.
All buyers
The benefits experience is judged at the swipe.
Members remember the few seconds at checkout. Phase 3 exists so that moment has an answer.
Members · HR · support
What members actually need from a benefits card
Design the app around answers, not only balances. And let people spend from a phone when funding clears.
See the experience. Then talk partnerships.
Bring a program mix. We will show what members see after a swipe, and how the card layer sits next to the stack you already run.