Streamline consumer-directed benefits

Run all consumer-directed benefits through a single platform with a unified experience, including OTC/grocery, healthy rewards, HSAs, FSAs, HRAs, and commuter.

A technology-first solution

Our health wallet is the smart way to access benefits and pay for them within a single, unified experience.

We Handle Administration

Send us your brand standards and a member eligibility file and we'll execute the rest. Really.

Blue circle icon showing person linking to three bullet points

Software-Defined Benefits

First Dollar supports any benefit type on a single, cohesive platform, with one card and one app for everything.

Embed Inside Existing Apps

Our technology-first approach enables easy integration with your existing portal and card.

Why First Dollar

Sky-high NPS

Give your customers an experience they will truly love and recommend. Turn consumer-driven benefits from a checkbox to a strategic advantage.

The average NPS of consumer-directed benefits is 34. Ours is 80.

Why First Dollar

#1 in utilization

Everyone who is eligible should participate. And no one should leave a dime on the table.

Did you know that on average half of FSA balances are lost? Our wallet helps make sure benefits are taken advantage of early, often, and properly.

Our average utilization rate is 68%. What's yours?

Why First Dollar

Technology first

Build a remarkable experience with First Dollar. We're cloud-native and API driven throughout.

From pre-built 3rd-party integrations and embeddable UX workflows that help you get started fast, our platform is thoroughly modern top-to-bottom.

Our partners have a real seat at the table of our roadmap, and we roll out new features every week.

First Dollar debit card tapping point of sale system

How it works

First Dollar’s health wallet is the best way to empower your members and increase utilization. Here’s how that happens.


Our tools are designed to allow you flexibility to offer the consumer directed benefits that best suit your population. Select the purses you want to offer, configure, and enroll people into programs in a snap.


The health wallet debit card (or virtual card) allows members to spend their benefits dollars on eligble items. When they have multiple benefits in their wallet, First Dollar makes transactions easy by logically applying the right account.


Our health wallet app keeps your members up to date on their balances and transactions. Reimbursement and substantiation are simple, so customer satisfaction and utilization stay high.

Software-defined benefits

What can modern payments infrastructure do for you?

From the Blog

Why We're Bank and Card Agnostic

Your customers are sick and tired of calling the bank. From KYC to monthly statements, tax forms and more, we handle everything on our side. Best of all, you can bring your own bank or use ours.The result? An experience you control, end-to-end.

Read More
A Deep-Dive on Access

First Dollar Serving the Whole World

We've made access a top priority.

From advanced localization to industry best multi-language support, we meet members on their terms, in their context, across every population and demographic segment.

Read More
Case Study

Bright Health's Data Advantage

What if you could make recommendations based on past purchases and adapt plan designs to support emerging usage patterns? Learn how we helped sharpen Bright Health's competitive edge with member spending data delivered instantly, far ahead of claims.

Read More

Let's Talk Health Wallets

Streamline all your consumer-directed benefits with a single platform and a fabulous user experience.

Let's Talk