Keep the client.
Retire the legacy stack.
Phase 3 Benefits is the white-label platform for every pre-tax account — HSA, FSA, commuter, and LSA — built for TPAs. A modern card, a member app you can co-brand, an admin portal your team can run, and a partner economics model designed for the BOR you want to keep.
Don't let 2010 tech cost you the client.
You're losing book to legacy providers on UX and implementation speed. We rebuilt the category so you don't have to. With Phase 3 Benefits, you keep the client, brand the experience, and retire the legacy admin stack — without rebuilding your platform.
- Retention pressure. Modern HRIS and broker channels are quietly migrating books to providers with better UX.
- Broker channel asks. Your producers want a card that members rate, not one they apologize for.
- Implementation drag. Every months-long go-live is a renewal you put at risk.
Your brand. Our infrastructure.
Co-branded card
Custom card art with your brand on the front and Phase 3 Benefits infrastructure underneath.
Co-branded member app
Your colors, your logo, our mobile-first experience and AI support.
Multi-tenant admin portal
Your team manages every client in one portal, with per-client permissions and reporting.
Onboarding in weeks
Implementation with a single onboarding lead per client.
Built for the BOR you want to keep.
A model designed for the long‑term BOR.
Revenue share
Tiered economics built around the book you actually move, not headcount minimums.
Migration playbook
Pre-built migration plans for the most common incumbent platforms.
Co-marketing
Joint case studies, deck support, and lift for your broker channel.
See it in 30 minutes.
A real demo of the admin portal, the member app, and the integration story — built around your stack.