Procurement · brokers · employers
Questions to put in a benefits card RFP
If they cannot answer these in a demo, you are buying another card, not a product.
Published 2026-08-01 · Updated 2026-08-13 · Phase 3 Benefits
Routing
Can one authorization split across wallets? Does a decline leave a decision record? Is eligibility enforced by regulation first, then plan config? Does a new hire get a virtual card the day funding clears?
Substantiation
What auto substantiates at the swipe? Receipts should match in under 90 seconds. A person should review in two business days when a person has to look. Ask to see the record on a declined swipe.
Scope
Does the vendor write plan documents or run testing? If not, how do they sit next to the incumbent TPA? Is that boundary published, or only promised in a meeting?
Wage laws
Which regimes are supported: Wage Parity, Davis-Bacon, SCA, SF HCSO? What does the ledger include? Can you export a packet on demand?
Integrations
Eligibility and contribution APIs. Authorization events. Funding and settlement files. White label. Who answers the member when the swipe fails.