Modern benefits cards
Every benefit program. One modern card.
A modern benefits card platform that replaces the old stack of plastic, portals, and workarounds. Members swipe once. Software routes the money. Finance sees one path instead of four vendors.
Virtual card on day one. One tap into mobile wallets. Plastic only if you want it.
Member name
JORDAN REED
Wallets
Health FSA
$857.82
HSA
$2,400.00
Commuter
$85.00
Wage Parity
$1,047.82
One modern credential. Multi wallet routing. Virtual card on day one. Plastic only if you want it.
What changes
Benefits deserve the same tools people already use to pay for coffee
Most benefit cards still behave like 2009. We built the opposite: routing software, day one virtual access, and decision records you can open in a meeting.
One card. Real routing software.
Legacy programs hand out plastic and hope. Ours decides at the swipe which wallets can pay, in what order, and whether to split the charge.
Spend from the phone on day one.
A virtual card exists when funding clears. One tap into mobile wallets. Plastic only if you want it.
A decline you can actually read.
Split approvals. Explained declines. Every swipe leaves a decision record support can open without guessing.
Routing path
At authorization
Swipe
One card
Filter
Legal wallets
Order
Plan priority
Split
If needed
Record
Full trace
FSA
$857.82
Expiring first
Wage Parity
$192.18
Split remainder
Trace
Full
Why each paid
Built for how people pay now
Virtual card on day one. One tap into mobile wallets.
Legacy benefit cards still mail plastic and hope people wait. We issue a virtual card when the program funds, then add it to mobile wallets with one tap. Prefer no plastic at all? Run the whole program virtual only. Chip cards stay available when you want them.
- Virtual card ready when enrollment and funding clear
- One tap into mobile wallets from the member app
- Virtual only, virtual first with plastic later, or plastic for everyone
Interactive routing demo
One swipe. Watch modern software decide.
This is what legacy benefit cards never showed you. Balances persist across scenarios. Run the guided story, or free play. Scenarios 4 and 5 prove the product: split authorization and an explained decline.
Merchant scenarios
Suggested next:
Decision trace
Press Run the story for the full six-swipe arc, or pick a merchant. Keyboard: Tab to a scenario, Enter to run.
Legacy vs modern
The old benefits card stack was never built for how people spend now
Multiple cards. Mail delays. Portals nobody opens. Declines with no explanation. We replace that with one modern credential and software that decides at the swipe.
Legacy programs
- A card for every program, or one dumb card that cannot route
- Wait for plastic before anyone spends
- Members guess which wallet to use
- Declines that say nothing useful
- Four vendors, four portals, four reconciliations
Phase 3 Benefits
- One modern card with multi wallet routing
- Virtual card on day one; one tap into mobile wallets
- Plastic only if you want it
- Split authorizations and explained declines
- One settlement path. Your TPA keeps the paperwork
Programs
Start where change is easy. Expand when the year turns.
You do not need a mid year plan fight to modernize the member experience. Land on programs that need no plan document. Bring FSA and HRA onto the same card at renewal.
Who it's for
Built for the people who buy and run benefits
Employers want fewer cards. Brokers need a sellable land motion. TPAs need a member surface that wins renewals. PEOs need one brand across many employers. Same platform. Different paths.
Employers
Fewer cards. A member experience people will actually use. One path for finance.
Your pathBrokers
A land motion you can sell tomorrow. Keep the TPA. Expand at renewal.
Your pathTPAs
White label the member card. Keep documents, testing, and the client relationship.
Your pathPEOs
One brand across many employers. One card. Different wallets underneath.
Your pathPayroll / HCM
A modern card next to the deduction. Eligibility in. Funding out. No extra portal war.
Your pathWage Parity agencies
Supplemental benefits on a card with a per aide ledger, not another spreadsheet.
Your pathInsights
Guides for diligence, not filler blogs
Members · HR · support
What members actually need from a benefits card
Design the app around decisions, not only balances. And let people spend from a phone on day one.
Procurement · brokers · employers
Questions to put in a benefits card RFP
If they cannot answer these in a demo, you are buying another card, not a product.
Federal contractors · finance · compliance
Davis-Bacon fringe on a payment card
Hourly fringe in. Worker spend out. A packet you can defend.
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
See a modern benefits card on your programs
Bring your mix. We will show routing, day one virtual cards, and what lands without moving your TPA.