Built on Phase 3 Payments' infrastructure. Designed for modern healthcare benefits.
Phase 3 Benefits is a Phase 3 Payments company — extending real payments rails into HSA, FSA, commuter, and LSA accounts. We're rebuilding a category most members hate, starting with the surfaces members and admins actually use.
Benefits is the next category to be rebuilt.
38 million Americans have an HSA. Most of them hate the experience. Payroll, treasury, and corporate cards have all been rebuilt. Benefits is next — and the team that does it well will be the team that takes the payments problem seriously.
A product line, not a standalone brand.
Phase 3 Payments is the parent company. Phase 3 Benefits is its pre-tax benefits platform, with FSA, HSA, Commuter, and LSA cards all running on the same rails. We get to launch with real payments credibility instead of a healthcare brand you've never heard of.
Phase 3, the platform.
FSA
Pre-tax FSA card, real-time substantiation, and admin portal.
HSA
HSA card with embedded investing.
Commuter
Transit and parking benefits on the same card and admin rails.
LSA
Lifestyle spending accounts with employer-defined eligibility.