PHASE 3BENEFITS

Developers

APIs built for modern benefits ops

Integrations for eligibility, contributions, authorization events, and reporting. Clean objects for TPAs, PEOs, and employers who are done with brittle file drops and opaque card vendors.

Talk integrationsSee decision shape

Eligibility & roster

Sync members, dependents, and program eligibility from your system of record. Idempotent upserts. Employer and worksite scoping for PEOs.

Member · Dependent · EligibilityPeriod · ProgramAssignment

Contributions & funding

Post payroll contributions, employer funding, and period caps into wallets. Distinct balance rules per program type (election vs contributed to date vs monthly cap).

ContributionBatch · WalletCredit · FundingSource

Authorization events

Receive decision records after each swipe: eligible wallets, exclusions with reasons, payment legs, substantiation path, merchant and MCC metadata.

Authorization · DecisionStep · PaymentLeg · Exclusion

Reporting & audit

Export settlement, reconciliation, and statutory packets for examiners and finance. On demand packets for Wage Parity and fringe programs.

SettlementReport · AuditPacket · ReconciliationFile

Auth model

Partner credentials

  • API keys for server to server batch jobs (roster, contributions).
  • Signed webhooks for authorization and substantiation events. Verify signatures before processing.
  • Scoped environments: sandbox and production; no shared keys across clients.

Example decision payload (shape)

{
  "authorizationId": "auth_…",
  "status": "split",
  "merchant": { "name": "…", "mcc": "8043" },
  "amount": 1050.00,
  "legs": [
    { "wallet": "health_fsa", "amount": 857.82 },
    { "wallet": "wage_parity", "amount": 192.18 }
  ],
  "exclusions": [
    { "wallet": "hsa", "reason": "plan_priority" }
  ],
  "decisionTrace": [ /* steps */ ]
}

Integrate a modern card layer

Full OpenAPI ships with partner onboarding. Start with a conversation about your system of record.

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