Programs
Start where change is easy. Expand when the year turns.
Filter by implementation path, not tax jargon. Land a modern card without displacing anyone. Bring FSA and HRA onto the same credential at renewal.
Lifestyle
Commuter, LSA, wellness, stipends, and HSA. They do not need a cafeteria plan rewrite, so they can go live this year.
Commuter
Transit and parking on a monthly cap. The card works at eligible merchants. No cafeteria plan rewrite.
Lifestyle Spending Account
A stipend the employer defines. Broader than an FSA. Members spend. You set the categories.
Wellness and fitness
Gym, classes, recovery, wearables. Category rules you choose. Goes live without a plan year fight.
Professional development
Courses, conferences, certifications, books. A modern stipend, not a tuition-plan project.
Work from home
Home office, equipment, and internet stipends. Members buy what they need. You see the ledger.
Meal allowance
Food and grocery spend where the employer allows it. Controls at the category, not a second card.
Travel and relocation
Moving and travel stipends on the same credential. Not a corporate T&E program.
Mental health allowance
Counseling, apps, and recovery support the employer funds. Clear categories. One card.
Caregiving stipend
Child or elder care support outside a dependent care FSA. A stipend with rules you set.
Emergency and hardship
One-time or ongoing hardship funds on the card. Faster than a check run. A record finance can export.
Education and tuition
Tuition, books, and exam fees as a stipend. Pair with a 127 plan later if counsel wants one.
Student loan repayment
Employer student loan help delivered on the card. Members see the money. You see the spend.
Fertility and family building
Fertility, adoption, and family building spend with category controls. Same member app as everything else.
HSA
Member-owned health savings. Sits on the same credential as the other wallets. Bank product path.
Wage laws
Benefits the law requires you to deliver. Same modern card. A ledger an examiner can follow.
- NY Wage Parity
Supplemental benefits for covered home care aides. Per aide ledger. Packets an examiner can follow.
- Davis-Bacon fringe
Hourly fringe credited to the card. Worker spend. A compliance packet on demand.
- SCA Health & Welfare
Service Contract Act health and welfare on a modern card, with delivery and reporting you can export.
- SF HCSO
San Francisco Health Care Security Ordinance spend delivery and tracking. Confirm obligations with counsel.
FSA and HRA
Your TPA, document vendor, or ERISA counsel keeps the plan documents and testing. We put them on the same modern card, usually at renewal.
Health FSA
Pretax medical, dental, and vision. Needs a plan document and testing. We run the card.
Limited Purpose FSA
Dental and vision only. The usual pair with an HSA. Documents stay with the TPA.
Post Deductible FSA
Medical spend after the HDHP deductible. Same card as the HSA. Plan paperwork stays put.
Dependent Care FSA
Child and elder care. Reimburses after services are rendered. IRS rules. No swipe at the register.
HRA (integrated)
Employer-funded medical next to a group plan. We route the swipe. The TPA keeps the document.
ICHRA
Individual coverage HRA. Premiums and qualified medical. Card layer on top of the document partner.
QSEHRA
Small employer HRA with IRS caps. Same modern card. Same split: they do documents, we do the swipe.
EBHRA
Excepted benefit HRA. Limited excepted benefits beside a group plan. On the same credential.
Post Deductible HRA
Employer-funded medical after the HDHP deductible. Lands on the card at renewal.
Retiree HRA
Employer-funded medical for retirees. One credential. A ledger finance can actually use.
Dependent care reimburses after services are rendered and cannot authorize at the register. That is IRS rules, not a product limitation.
Frequently asked questions
Which programs can go live without a plan document?
Commuter, LSA, wellness, professional development, many lifestyle stipends, HSA (as a bank product path), and wage law programs. Filter “Lifestyle” and “Wage laws.”
Which programs need a TPA or document partner?
Health FSA, dependent care FSA, and most HRAs need plan documents and testing from a TPA, document vendor, or ERISA counsel. We take the modern card layer; they keep the paperwork.
Can dependent care authorize at the register?
No. Dependent care reimburses after services are rendered under IRS rules. That is not a product limitation.
Map your mix on a modern card
Bring the programs you run today. We will show what lands now and what waits for renewal.