Payroll & Benefits Infrastructure · Use case

Distribute benefits and reimbursements

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Short answer

Benefits platforms fund employee allowances — meals, mobility, wellness, expenses — and deliver them through cards, wallets or vouchers. Tax treatment differs by country and benefit type, so the provider's country rules matter as much as the payment method.

What this use case is

Benefits platforms fund employee allowances — meals, mobility, wellness, expenses — and deliver them through cards, wallets or vouchers. Tax treatment differs by country and benefit type, so the provider's country rules matter as much as the payment method.

Who builds this

HR and benefits platforms
Payroll providers
Employee wellbeing tools
Employers' internal platforms

What your customer sees

  1. 1Receives a monthly allowance
  2. 2Spends it with a card or voucher
  3. 3Submits receipts where needed

How Payroll & Benefits Infrastructure solves it

1

Employer defines benefits and budgets

Employer defines benefits and budgets

2

Allowances loaded to cards or wallets

Allowances loaded to cards or wallets

3

Spending restricted by category or merchant

Spending restricted by category or merchant

4

Receipts collected where required

Receipts collected where required

5

Payroll and tax reporting updated

Payroll and tax reporting updated

Want to have

  1. Country-specific benefit rules
  2. Card or wallet delivery
  3. Merchant or category restrictions
  4. Receipt handling
  5. Payroll and tax reporting

Optional

  1. Flexible benefit budgets
  2. Marketplace of benefits

Design decisions

Delivery

Cards
Vouchers
Reimbursements

employee experience versus tax treatment.

What to put in your RFP

Benefit types and countries

  • Benefit types and countries

Delivery

  • Delivery

Controls

  • Controls

Reporting

  • Reporting

Commercials

  • Commercials
Add these to an RFP

How to evaluate providers for this use case

  1. 1Country tax handling
  2. 2Employee experience
  3. 3Reporting to payroll

Pitfalls

  • Benefits that lose tax advantages because of how they are delivered
  • Manual receipt processes

What providers will ask you

  1. Countries and employee counts
  2. Benefit types
  3. Payroll setup

Other Finlane categories that cover parts of this

This use case is solved mainly with Payroll & Benefits Infrastructure. These categories cover specific parts of it and can be tendered alongside it.

Card Issuing

Benefit cards with category controls

Banking-as-a-Service

Accounts holding benefit budgets

Frequently asked questions

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Scope distribute benefits and reimbursements with Payroll & Benefits Infrastructure providers

Scope this use case