Stop apologizing for your benefits card.
Phase 3 Benefits puts HSA, FSA, commuter, and LSA on one card, ships in weeks, integrates natively with your HRIS, and gives every employee a modern app with investing from day one — without the implementation drag of legacy providers.
Your benefits card shouldn't be the worst part of your benefits package.
Most legacy benefit cards weren't built for the way your employees actually save, spend, and invest — and they scatter HSA, FSA, commuter, and LSA across multiple vendors and cards. Phase 3 Benefits puts all four on one card, ships in weeks, integrates natively with your HRIS, and gives every employee a modern app with investing from day one.
- Every pre-tax account, one card. HSA, FSA, commuter, and LSA in one modern card experience — Apple Pay, Google Pay, instant claim status.
- HRIS-native. Plug into Workday, Rippling, Gusto, Paylocity, and more.
- Investing from $0. Employees save more, stay engaged, and stop calling your benefits team.
Adoption goes up. Support tickets go down.
One platform. Every surface.
Card
Physical, virtual, and added to Apple Pay and Google Pay on day one.
Admin portal
Real-time funding visibility and audit-ready exports.
Member app
AI support and live claim status your employees actually use.
Developer API
SSO, webhooks, and SCIM that connect to your HRIS and stack.
Go live in weeks, not a quarter‑long migration.
Single implementation lead
One named partner, weekly milestones, and a date you can put on the calendar.
Go live in weeks
A target go-live date in writing for qualifying employers.
Open enrollment ready
Member rollout and comms support in time for your enrollment window.
See it in 30 minutes.
A real demo of the admin portal, the member app, and the integration story — built around your stack.