Customized SolutionsTransform Your Benefit Payments Platform

From concept to launch, we work with you to maximize results.

We partner closely with your team, managing everything from program design and benefit configuration to technical implementation and marketing support.

Our collaborative approach ensures your branded program reflects your unique needs while our end-to-end expertise delivers a seamless launch experience and ongoing member engagement. But we don't stop there. Our ongoing partnership ensures your program evolves with your goals, member needs, and changing regulations.

Unlimited Configuration. Scalable Delivery.

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Purse Design Flexibility

Configure benefits your way — from simple to highly customized programs.

  • Smart rules, your way. Set retailer, category, or benefit-type restrictions that align with your goals.
  • One card, many benefits. Manage multiple programs through a single, flexible purse system.
  • Built for CMS and beyond. Easily adapt purse logic to meet regulatory and plan-specific requirements.
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Care Gap Programs

Support smarter outreach aligned with your plan’s care priorities.

  • Plan-led, insight-enhanced. You define the criteria — we apply CMS expertise and market insights to shape the strategy.
  • Target the right members. Our technology can identify eligible individuals based on defined care gaps.
  • Drive preventive action. Timely outreach helps close gaps, boost engagement, and support key quality measures.
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Star Rating Improvement

Turn data into action and elevate your CMS Star performance.

  • Track what matters. Monitor trends in engagement, utilization, and satisfaction.
  • Spot opportunities. Use real-time insights to support quality improvement efforts.
  • Drive impact. Align programs with CMS goals and make measurable progress.
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Member Experience Touchpoints

Support engagement from day one with clear communication and responsive service.

  • Tailored communications. Card carriers, welcome kits, and benefit guides customized for your population.
  • Self-service, simplified. Real-time balances and transaction history through a secure member portal.
  • Support that knows your plan. Our in-house customer service team delivers consistent, personalized help.
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Advanced Reporting

See your data your way — with on-demand access and customizable views.

  • Full visibility. View data by market, employer group, program, or time period.
  • Insights that matter. Track benefit funding, utilization, engagement, SLA performance, catalog activity, and more.
  • Built around your needs. Reports can be customized and delivered the way that works best for your team.
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Information Security

Your data is protected by enterprise-grade safeguards and trusted certifications.

  • Certified and secure. HITRUST and PCI Level 1 certified with ongoing compliance testing.
  • Risk-ready. Third-party risk assessments passed three years in a row.
  • Proven controls. Technical and administrative safeguards tested regularly for data integrity and availability.
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Fraud Prevention

Protect your program with intelligent, built-in fraud controls.

  • Spend rules that stick. System-enforced purse logic ensures benefits are used as intended.
  • Constant monitoring. Transactions are reviewed seven days a week for irregular activity.
  • Always improving. We continuously enhance our fraud detection tools to stay ahead of evolving threats.

The PayForward Advantage.

At PayForward, everything is built to move faster, integrate deeper, and respond better. Unlike traditional setups that rely on multiple intermediaries, we operate with direct connections and fully owned technology — that means less red tape, more flexibility, and faster results.

Direct Banking Relationship

As a registered agent maintaining a direct line to the banks — no third-party program managers required. This unique position gives us insight into banking operations and enables real-time decision-making that cuts through typical delays.

  • Faster financial adjustments
  • More flexibility in white labeling, card design, and materials
  • Better alignment between bank, processor, and client needs
Proprietary Technology

Our in-house platform is purpose-built on peer-to-peer payment infrastructure and maintained by our U.S.-based tech team. That means we're not waiting on vendors — we’re building, adapting, and integrating on your timeline.

  • Custom integrations tailored to your systems
  • Built-in compliance and security safeguards
  • Rapid response to CMS updates and plan changes
Deep Processor Integration

We’ve worked extensively with the nation’s largest processors, to build a highly coordinated backend infrastructure. This allows for seamless updates, greater accuracy, and more complex program execution.

  • Real-time capabilities and authorization management
  • Multiple purse functionality and complex benefit restrictions
  • Smooth coordination between bank and processor for streamlined delivery

We help you build lasting member loyalty and measurable growth.

  • Purpose-built for health plans
  • Extensive experience, flexible technology
  • Premium, people-first support

Let’s Get Started.

Schedule A Consultation