One platform. Every benefit account. Every member.
Card issuing, a modern admin portal, an AI-powered member app, embedded investing from dollar one, claims and substantiation, and a REST API — built on Phase 3 Payments' infrastructure.
One platform. Every surface.
Every Phase 3 Benefits account runs on four shared surfaces — the card, the admin portal, the member app, and the developer API.
Card
Physical, virtual, Apple Pay, and Google Pay.
Admin portal
Real-time data, role-based access, audit-ready exports.
Member app
Mobile-first, with AI support and live claim status.
Developer API
REST, webhooks, SSO, SCIM. Sandbox in hours.
A real debit card. Not a workaround.
Phase 3 Benefits cards are issued through Coastal Community Bank, with IIAS-compliant merchant filtering at the network layer. Members tap, swipe, or add their card to Apple Pay and Google Pay. Substantiation runs in the background.
- Physical and virtual cards.
- Apple Pay and Google Pay. From day one.
- IIAS merchant filtering. At the network layer.
Investing from your first dollar.
No $1,000 threshold. Members can invest from $0 with a curated default portfolio, or pick from a transparent menu of low-cost funds. Fees are flat, disclosed, and visible in the app.
- Investing from $0. No minimums.
- Curated default portfolio. Risk-banded options.
- Transparent fees. Flat, disclosed, and visible.
Substantiation in two taps.
Most FSA and HSA charges are substantiated at swipe via IIAS, while commuter and LSA spend is validated automatically against eligible merchant categories. When a receipt is required, members snap it in the app and we attach it to the transaction automatically. Admins get a clean, audit-ready record without chasing employees.
- IIAS substantiation at swipe.
- Two-tap receipt capture. Auto-attached.
- Clean audit trail. Per transaction, per employee.
Reporting your team can act on.
Real-time dashboards
Funding, contributions, reimbursements, claims, engagement.
Audit-ready exports
ERISA, IRS, and ACA in one click.
Cohort analysis
By department, plan, or geography.
Bank‑grade money. Healthcare‑grade data.
KYC + CIP
Member identity verification at onboarding.
Adaptive risk
Real-time monitoring on every transaction.
Encryption
TLS 1.2+ in transit, AES-256 at rest.
See the full platform.
A real demo of the admin portal, the member app, and the integration story — built around your stack.