For payroll and HCM
You already run the deduction. We modernize the swipe.
Payroll owns the person, the withholding, and the funding. The card is the part people feel, and it is usually a third party relic. Put a modern, white labeled credential next to payroll. Keep the system of record.
The problem
Most payroll companies already sell FSA, HSA, or commuter as an add on. The deduction is clean. The swipe is not. Members wait on plastic. Declines explain nothing. Support tickets land on your team for a card you do not control. That is how attach rate dies after the first year.
Your brand at checkout
White label the card and the app. Members associate a modern swipe with payroll, not a vendor they have never heard of.
You stay the system of record
Census, deductions, and funding stay in payroll. We take eligibility and contribution feeds and run the modern card layer.
A product AEs can attach this quarter
Commuter, LSA, wellness, and statutory land without a plan rewrite. No implementation fee. Virtual card on day one.
What changes
Higher attach, fewer tickets
A card people can actually use. Explained declines. Support sees a decision record instead of a shrug.
One settlement path
Money comes back into payroll as one story, not four vendor files.
Ready when the hire is funded
Virtual card the day funding clears. One tap into mobile wallets. Plastic only if the employer wants it.
What stays with your partners
- Payroll as the system of record
- Deductions, tax treatment, and funding you already run
- Your brand and client success motion
- Document partners and TPAs the employer already has
How you start
- Commuter and LSA as a payroll attach
- Wellness and lifestyle stipends
- Statutory modules where the book has exposure
- Roster and contribution feeds from payroll
How you expand
- FSA and HSA on the same card at renewal
- White labeled member app across the book
- Authorization events back into HCM
- One settlement file per pay cycle
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 you replace payroll?
No. You keep census, deductions, and funding. We run the card, the routing, and the member surface.
Can this sit next to an existing TPA?
Yes. Land on programs that need no plan document. Keep the incumbent on FSA paperwork until renewal if that is the politics.
Is this the same as your PEO page?
No. A PEO is the employer of record. Payroll is the system of record. Same platform. Different buyer, different fear, different pitch.
How fast can a new hire spend?
When enrollment and funding clear, we issue a virtual card. Members add it to mobile wallets in one tap.
See the card next to payroll
We will map what attaches now, what waits for renewal, and how eligibility and funding move from your system.