Members
A benefits card that behaves like money people already use
Virtual card the day the program funds. One tap into mobile wallets. Clear answers on eligibility, declines, substantiation, and year end.
Built for how people pay now
Spend from the phone when funding clears.
Many benefit cards still wait on the mail. We issue a virtual card when the program funds, then add it to mobile wallets with one tap. Prefer no plastic at all? Run the whole program virtual. Chip cards stay available when you want them.
- Virtual card ready when enrollment and funding clear
- One tap into mobile wallets from the member app
- Virtual, virtual with plastic later, or plastic for everyone
Four things members actually care about
Eligibility
Before you pay, you should know which programs can cover this merchant, and which cannot. No guessing.
Decline
If a charge is declined, you get a plain language reason: wrong program, short balance, or missing item data. Not a dead end code.
Substantiation
When a receipt is required, capture and match is fast. When human review is needed, you know the timeline.
Year end
Use it or lose it balances should be easier to spend before they vanish. The app makes remaining amounts visible.
In the member app
Designed around the questions people actually have. Employers and TPAs can white label the surface.
Balances by wallet
FSA, HSA, commuter, LSA, and statutory show separately so you understand what is available and why.
Transaction answers
Each swipe links to what happened: what paid, what did not, and what to do next.
Receipt capture
When the program requires substantiation, upload from the app with status tracking.
Mobile wallet access
Virtual card in the app. One tap into mobile wallets. Plastic if your employer offers it.
Frequently asked questions
How fast can I start spending?
When your program is funded, we issue a virtual card in the app. Add it to mobile wallets with one tap. If your employer runs a virtual program, that is the only card you need.
Do I always get a plastic card?
Not always. Employers can choose virtual, virtual with plastic later, or plastic for everyone. Same programs. Same app.
Is the virtual card different from plastic?
Same programs and balances. The virtual card is the phone ready version. Plastic, when issued, is the same credential on a chip card.
Why was my card declined?
Common reasons: the merchant is not eligible for any funded wallet, a wallet was short on balance, or item level data was missing. The app shows the reason when the transaction answer is available.
Can one swipe use two programs?
When more than one supported benefit can apply, the purchase can draw from more than one source. Each amount posts to its own program.
Who do I contact for support?
Member support is part of the Phase 3 Benefits card layer, or white labeled under your TPA or PEO brand. Use the in app path or numbers provided at enrollment.
Show members a product that feels current
Employers and TPAs: walk the member path. Virtual access, the app, and what happens after a swipe.