How it works

The member swipes once. Modern software decides.

At the moment of payment, a routing engine filters by legal eligibility, applies plan priority, splits when needed, and records every decision. That is what legacy benefit cards never really did.

Six step sequence

From merchant data to a decision you can defend

  1. 1

    Inputs

    Merchant category, merchant identity, amount, and item data when the merchant sends it.

  2. 2

    Eligibility

    Which wallets may legally pay this merchant. Regulation first. Preference later.

  3. 3

    Order

    Some orderings are required. The rest follow the plan you set.

  4. 4

    Priority

    A good default spends money that expires before money that does not. FSA before HSA.

  5. 5

    Balance and split

    If the first wallet is short, the next eligible wallet can finish the charge. Each leg posts to its own ledger.

  6. 6

    The record

    What was considered, what was excluded and why, what paid, and how it substantiated.

Why this is hard

Four wallets. Four definitions of available balance.

  • Health FSA: exposes the full annual election on day one.
  • HSA: exposes only contributions to date.
  • Commuter: contributions against a monthly cap that resets.
  • Dependent care: reimburses only after services are rendered and cannot prepay. That is IRS rules, not a product limitation.

Who configures what

Regulation

Which merchant categories each program may legally pay.

Plan / employer

Priority among eligible wallets; LSA category sets; program mix.

TPA / document partner

Plan documents, testing, and ERISA paperwork we do not produce.

Phase 3 Benefits

Issuing, routing engine, substantiation, portals, settlement, audit packets.

Interactive routing demo

One swipe. Watch modern software decide.

This is what legacy benefit cards never showed you. Balances persist across scenarios. Run the guided story, or free play. Scenarios 4 and 5 prove the product: split authorization and an explained decline.

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.

Frequently asked questions

What is multi wallet routing?

At authorization time, software filters which benefit wallets may legally pay for a merchant, applies plan priority, and can split a charge across wallets when one balance is not enough.

What is a split authorization?

When the first eligible wallet cannot cover the full amount, the engine draws from the next eligible wallet. Each leg posts to its own ledger.

What is an explained decline?

A decline with a plain language reason and a decision record: which wallets were ineligible or short, and what the member should do next. Legacy cards often leave people guessing.

See splits and declines on your program mix

A clean approval is easy to screenshot. Split authorizations and explained declines are where modern card software earns its keep.