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
The swipe
What does the member see after a purchase? What does support see? What can a partner receive? Can a new hire spend from a phone when funding clears?
Substantiation
What auto substantiates at the swipe? Receipts should match when item data exists. A person should review 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?
Statutory programs
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. Transaction events. Funding and settlement files. White label. Who answers the member when the swipe fails.