For TPAs
We are not your replacement. We modernize the part members touch.
You keep plan documents and testing. We put a white labeled, multi wallet card under your brand so employers renew because the product feels current, not because the paperwork was good.
The problem
Employers renew on the experience members feel at the register. When the card is a legacy third party plastic, your excellence on documents never reaches the swipe. That is where renewals leak.
You keep the core of the TPA
Documents, testing, Form 5500, COBRA, and ERISA advisory stay out of our scope by design. Published on the site for a reason.
You own the modern member surface
Card, app, substantiation, and support under your brand. Multi wallet routing is how you hold the middle of the relationship.
Defend renewals with product, not slides
Split authorizations, explained declines, and day one virtual cards are demos you can run in a renewal meeting.
What changes
Members feel your brand at the swipe
Not a generic legacy plastic that erases your relationship.
Support has answers
Decision records close tickets without blaming “the card vendor.”
Partnership, not displacement
Clear scope keeps legal and product conversations clean.
What stays with your partners
- Plan documents, SPDs, wrap documents
- Nondiscrimination testing
- Form 5500 preparation
- COBRA administration
- ERISA advisory / plan design consulting
How you start
- White label card + member app
- Lifestyle and commuter programs on your book
- API for eligibility and contributions
- Decision records feeding your support model
How you expand
- FSA / HRA on the same credential
- Priority rules (expiring money first)
- Statutory packs where your clients need them
- Shared settlement and reporting
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.
Will you solicit our plan document business?
No. Plan documents and testing are explicitly out of scope. That is published on the site for a reason.
Can we brand the card and app?
Yes. White label is the default partnership model for TPAs.
How do integrations work?
Eligibility, contributions, authorization webhooks, and reporting. See the developers overview for object shapes.
White label a modern card layer
Partnership conversations start with scope: what you keep, what we run, and how members see your brand.