Platform
The experience behind the card.
The transaction does not end at approved or declined. Card access, member surfaces, transaction context, substantiation, support, admin, and events sit in one modern layer.
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
Card access
Virtual cards when funding clears. One tap into mobile wallets. Plastic when the employer wants it.
Member surfaces
Balances, transaction answers, receipt capture, and support in the app. Built for the person at checkout.
Transaction context
What happened, what paid, what did not, and whether documentation is needed. Available to member, support, and partner.
Substantiation
Automatic when item data exists. Receipt capture when a receipt is needed. Human review when a person has to look.
Partner and admin
Program configuration, funding, settlement, reconciliation, reporting, and statutory packets. Built for operators.
Events and integrations
Eligibility and contribution feeds in. Transaction events out. Useful objects for the teams that already run benefits.
What ships
The experience behind the card
Surfaces you can run. Not a wishlist.
- Virtual card when funding clears
- One tap into mobile wallets
- Plastic optional if the employer wants it
- Usable transaction context after the swipe
- Member, support, and partner see the same event
- Receipts match when item data exists
- Human review when a person has to look
- Security reports available for diligence
- Privacy and security attestations available for diligence
- No implementation fee
Scope boundary
Modernize the card. Keep the book.
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
- Member access and transaction context
- 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 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.
Can we run a program with no physical cards?
Yes. Virtual, virtual with plastic later, or physical for all members. Issuing mode is configuration, not a separate product.
What do you send in a diligence packet?
Transaction context samples, issuing modes, security and privacy reports, penetration test summary, scope boundary, and statutory packet examples for the regimes you care about.
See the experience. Then talk partnerships.
Bring a program mix. We will show what members see after a swipe, and how the card layer sits next to the stack you already run.