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.
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.