Benefits on the cards your team already carries.
Visaala connects to the cards your employees already carry. AI classifies every purchase against your policy in real time. Payroll reimburses automatically. No new cards. No declines. No expense reports.
Traditional benefits platforms are breaking the employee experience
The model is fundamentally broken. Here's what it costs you.
Card declines at checkout
Corporate benefit cards decline at the point of sale. Employees give up on benefits they've earned — and stop trying.
Forma, Benepass, and others all have this problem.
Weeks to go live
KYB checks, card issuance, pre-funding. Your team waits 4–6 weeks while your competitors are offering benefits on Day 1.
Visaala takes 15 minutes.
Benefits no one uses
When benefits require a separate app, a new card, and a manual reimbursement form, employees stop trying. You pay for programs that sit idle.
Visaala works on the card they already carry — zero friction to start using.
How Visaala works
Three steps. No new cards. No pre-funding. No complexity.
Step 01
Employees enroll any card
Connect any Visa or Mastercard in 2 minutes. Read-only access — Visaala never has payment capability on enrolled cards.
Step 02
AI classifies every transaction
Real-time MCC + merchant + pattern matching against your benefit policy and the correct IRS tax bucket. Automatically.
Step 03
Payroll reimburses automatically
Approved purchases land in the employee's next paycheck. No forms. No receipts unless flagged. No waiting.
Value for every stakeholder
One platform. Everyone wins.
Finance & Leadership
Control without complexity
- ✓Real-time visibility into every benefit dollar spent
- ✓Predict costs to the dollar — no surprises
- ✓No card issuance, no pre-funding float
- ✓Auto-reconcile with your accounting system
HR & People Teams
Launch benefits, not paperwork
- ✓Live in 15 minutes — no IT tickets required
- ✓Any benefit category, any policy rule
- ✓Attract and retain talent with real perks
- ✓Zero card management overhead
Your employees
Benefits that actually work
- ✓Use the card they already love
- ✓Keep every reward point and cashback
- ✓Never get declined on a benefit purchase
- ✓Reimbursed automatically on next paycheck
Any benefit category. Any policy.
You design the program. Visaala handles the classification, compliance, and reimbursement.
Hover over a category to learn more
Enterprise-grade security & compliance
Read-only access. Zero payment capability. Built for privacy from day one.
Bank-level encryption
AES-256 encryption for all data in transit and at rest — the same standard used by major financial institutions worldwide.
Read-only card access
Visaala sees transaction feeds only. We cannot initiate payments, move money, or access card credentials. Employees stay in full control.
AI + human review
Every transaction is classified by AI against your benefit policy. Ambiguous purchases are flagged for human review — accuracy enforced at every step.