Evolution1 offers two comprehensive options for benefits debit cards. We offer the Benny Prepaid Benefits Card that’s fully integrated with either the PayDirect or the Lighthouse1 solutions. Or, choose the Lighthouse1 OneCard that complements our Lighthouse1 cloud computing solution. Both card products offer the ultimate in convenience to your clients.

To assure compliance with IRS regulations, Evolution1 offers the maximum electronic substantiation capabilities. We can complement the IIAS capability by providing an additional level of substantiation to ensure that the eligible expense is within the approved plan design. Result: 85-95% of all transactions don't need receipt follow-up.

Our card solutions also offer multi-account stacking, which is the ability to access more than one account on the same card and draw funds from the appropriate account(s) at the point of sale. In 2002, Evolution Benefits, now a part of Evolution1, was the first to offer a multi-account stacked card. We continue to offer the most comprehensive stacked card features offered in the industry today.

Our capabilities include:

• Flexible Spending Accounts (Health Care and Dependent Care)
• Health Reimbursement Arrangements
• Health Savings Accounts
• FSA grace period
• Conversion of limited FSA to full FSA when the HDHP deductible is satisfied
• Qualified Parking and Transit benefits (pre- and post-tax purses)
• Incentive/reward purses

The stacked card draws funds from accounts in the right order at the point of sale with no extra work on the part of the merchant or cardholder. For example, it uses FSA grace period funds first, then current year FSA funds, then HRA funds, as needed to complete the transaction.

Benny Prepaid Benefits Card -- More than just a Card...A Complete Card Program 
Our Benny Prepaid Benefits Card is a special-purpose MasterCard® card or Visa® card for use with FSAs, HRAs, HSAs, and other benefits accounts. Participants simply swipe their Card at the point of sale or service and the funds are automatically deducted from the applicable benefit account(s) for payment. The Card eliminates most out-of-pocket cash outlays and paperwork, as well as the need to wait for reimbursement. This convenience and improved cash flow for cardholders lead to increased enrollment, contributions, and FICA savings for employers.

We provide the technology and services you need to offer this industry-leading card to your clients, including:

• Core system technology to make it easy to set up and maintain clients' plans
• A processing platform that efficiently manages the payment transactions
• Robust auto-substantiation technology and data integration support
• Timely and accurate card fulfillment
• Comprehensive training, marketing support and responsive customer service