For employers
Upgrade the benefit experience without rebuilding everything behind it.
A modern credential for the programs people actually use. Virtual access when funding clears. Plastic if you want it. Your TPA can keep the paperwork.
Why this conversation starts
Your people carry too many cards. Finance juggles too many vendors. Support cannot explain what happened at checkout. Nobody wants a mid year plan fight to fix the part members actually feel.
A transaction should leave an answer behind
Members see what happened. Support opens the same context. Finance is not reconstructing a swipe from four vendor files.
Access when the program is funded
Virtual card in the app when funding clears. One tap into mobile wallets. Plastic if you want it.
Keep the partners you already trust
Your TPA or document vendor keeps plan documents and testing. We upgrade the 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 and HRA to the same credential at open enrollment
- One reconciliation path for finance
- Transaction context for support
- A member app people will actually open
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
Straight answers for this audience. Not legal advice.
Do we have to move our FSA this year?
No. Many employers start 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, virtual with plastic later, or plastic for everyone. Same programs. Same app.
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 starts now, what waits for renewal, and how virtual access changes the member experience.