For employers
Retire the stack of legacy benefit cards
One modern credential for the programs people actually use. Virtual card on day one. mobile wallets in one tap. Plastic only if you want it. Your TPA can keep the paperwork.
The problem
Your people carry too many cards. Finance juggles too many vendors. Support cannot explain declines. New hires wait on the mail. The category still feels like 2009, and nobody wants a mid year plan fight to fix it.
Software that decides at the swipe
Eligible wallets pay in the right order. Splits happen when one balance cannot cover the charge. Declines come with a reason, not a shrug.
Modern access, not mail delays
Virtual card in the app when funding clears. One tap into mobile wallets. Or skip plastic entirely and run virtual only.
Keep the partners you already trust
Your TPA or document vendor keeps plan documents and testing. We replace the outdated card experience, not the whole benefits stack.
What changes
One card people understand
Members stop guessing which plastic to use and which portal to open.
Fewer tickets about “where is my card?”
Day one virtual access ends the mail delay complaint. Plastic free is an option when you want it.
One path for finance
Settlement and reconciliation for the card layer without four vendor portals.
What stays with your partners
- Plan documents and SPDs
- Nondiscrimination testing
- Form 5500 / COBRA (as applicable)
- ERISA advisory relationships
How you start
- Commuter, lifestyle, and wellness on one modern card
- Instant virtual card + mobile wallets
- Virtual only or virtual first issuing
- Statutory programs where you have exposure
How you expand
- Add FSA / HRA to the same credential at open enrollment
- Priority rules that spend expiring money first
- One reconciliation path for finance
- Decision records for support and audit
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
Straight answers for this audience. Not legal advice.
Do we have to move our FSA on day one?
No. Many employers land on commuter, LSA, wellness, and statutory first, then put FSA and HRA on the same modern card at open enrollment.
Can members use mobile wallets immediately?
Yes when the program is funded. We issue a virtual card in the app; members add it to mobile wallets with one tap.
Can we go fully physical card free?
Yes. Virtual only, virtual first with plastic later, or plastic for everyone. Same multi wallet routing in every mode.
What happens to our current TPA?
They can keep plan documents and testing. We run the modern card layer alongside them.
Map your program mix on a modern card
We will show what lands now, what waits for renewal, and how day one virtual cards change the member experience.