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.
Published 2026-08-05 · Updated 2026-08-13 · Phase 3 Benefits
What can pay, before they swipe
Members should see which programs can pay a merchant, and which cannot, before they fail at the register.
A decline with a next step
Wrong program, short balance, or missing item data should map to an action. Use another tender. Fund a wallet. Send a receipt if the rules allow it.
Substantiation without a black box
When a receipt is required, capture and match should be automatic. When a person has to look, say how long review takes and mean it.
Year end that makes remaining balances visible
Use it or lose it money should be easier to spend before it vanishes. Members feel that as fewer December surprises, not as a lecture about elections.
Spend from the phone when funding clears
When funding clears, issue a virtual card. One tap into mobile wallets. Plastic if the employer wants it.