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How multi wallet routing works at the swipe
The merchant asks for money. Software decides which benefit pays. Here is the sequence.
Published 2026-06-15 · Updated 2026-08-13 · Phase 3 Benefits
The decision has to happen now
Benefit wallets are not interchangeable. The law cares which one pays. That call has to happen when the merchant asks, not in a batch file on Tuesday. That is the job of a routing engine.
Step 1. Inputs
Merchant category, merchant identity, amount, and item data when the merchant sends it. A pharmacy IIAS feed is the cleanest example.
Step 2. Eligibility
Which wallets may legally pay this merchant? That filter is regulation first. Preference comes later.
Step 3 and 4. Order and priority
Some orderings are required. Where more than one wallet remains, the plan sets priority. A good default spends money that expires before money that does not. FSA before HSA. Fewer December forfeitures.
Step 5. Balance and split
Each wallet has its own idea of available funds. Health FSA may show the full election. HSA shows what has been contributed. Commuter has a monthly cap. If the first wallet is short, the next eligible wallet can finish the charge.
Step 6. The record
What was considered, what was excluded and why, what paid, and how it substantiated. That record is what the member, the admin, and an examiner all get to see.