Platform
Everything required to run a modern benefits card
Issuing your way, multi wallet routing, substantiation, portals, funding, and settlement. Built like fintech software. Not another legacy card program wearing a new logo.
Built for how people pay now
Virtual card on day one. One tap into mobile wallets.
Legacy benefit cards still mail plastic and hope people wait. 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 only. 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 only, virtual first with plastic later, or plastic for everyone
Core capability
The routing engine is the product
Plastic is commodity. Value is deciding which legal pot of money pays, especially when two wallets could, or when one cannot cover the full amount. Everything else exists to make that decision correct and visible.
Routing path
At authorization
Swipe
One card
Filter
Legal wallets
Order
Plan priority
Split
If needed
Record
Full trace
FSA
$857.82
Expiring first
Wage Parity
$192.18
Split remainder
Trace
Full
Why each paid
Modern issuing
Instant virtual cards with one tap into mobile wallets. Virtual only, virtual first, or chip first plastic. You choose per program.
Routing engine
Eligibility filter, regulatory ordering, plan priority, multi wallet split and partial authorization, full decision record. This is the product.
Substantiation
Auto substantiation at swipe when item data exists. Receipts capture and match in under 90 seconds. Human review in two business days when a person has to look.
Admin portal
Program configuration, funding, settlement, reconciliation, reporting, and statutory audit packets. Built for operators, not for 2009.
Member app
Balances by wallet, mobile wallet push, transaction explanations, receipt capture, and support. Clear instead of opaque.
Security & compliance
SOC 2 Type 1 and Type 2. HIPAA attestation. Penetration testing complete.
How it runs
What is in the box
The operating facts. Not a roadmap.
- Instant virtual card when funding clears
- One tap into mobile wallets
- Plastic optional. Virtual only if you want it
- Split and partial authorization across wallets
- Explained declines with a decision record
- Receipts match in under 90 seconds
- Human review in two business days
- SOC 2 Type 1 and Type 2
- HIPAA attestation
- No implementation fee
Scope boundary
Modern card software. Not another TPA.
We run the modern card layer. Plan documents, testing, and ERISA work stay with the partners who already do them.
We do
- Card issuing and processing
- Multi wallet routing
- Substantiation, automated and reviewed
- Member support
- Admin portal and reporting
- Funding, settlement, and reconciliation
- Audit packets for wage law programs
- Eligibility and contribution integrations
We do not
- Plan documents, SPDs, or wrap documents
- Nondiscrimination testing
- Form 5500 preparation
- COBRA administration
- ERISA advisory or plan design
- Brokerage or fiduciary services
Frequently asked questions
Are you a TPA?
No. We run the modern card layer. Plan documents, testing, Form 5500, COBRA, and ERISA advisory stay with the appropriate partners.
How does the instant virtual card work?
When enrollment and funding clear, we issue a virtual credential in the member app. Members add it to mobile wallets with one tap. Routing and decision records match plastic.
Can we run a program with no physical cards?
Yes. Virtual only, virtual first with plastic optional, or physical for all members. Issuing mode is configuration, not a separate product.
What is the routing engine?
Software that decides at authorization time which wallets may pay, in what order, whether to split, and how to record the decision. Legacy cards do not do this well, if at all.
What do you send in a diligence packet?
Routing and decision record samples, substantiation SLAs, issuing modes, SOC 2 and HIPAA reports, penetration test summary, scope boundary, and statutory packet examples for the regimes you care about.
See a modern benefits card on your programs
Bring your mix. We will show routing, day one virtual cards, and what lands without moving your TPA.