Platform features
Everything you need. Nothing you don't.
Visaala is built for speed and compliance — BYOC enrollment, AI classification, tax optimization, and payroll-integrated reimbursement in a single platform.
BYOC Card Enrollment
Employees connect any Visa or Mastercard in 2 minutes via bank-grade OAuth. No card numbers stored. Read-only access. Revocable instantly.
VisaMastercardOAuth 2.0
Real-time AI Classification
Every transaction is matched against your benefit policy and the correct IRS tax bucket — instantly, at the moment of swipe. MCC + merchant + pattern matching.
MCC matchingIRS-alignedReal-time
Accountable Plan Engine
Routes eligible spend through the correct IRC treatment (§62, §125, §132). Eliminates FICA liability on qualifying reimbursements — automatically and defensibly.
IRC §62FICA savingsTax-native
Employee Attestation Flow
When AI confidence is below threshold, employees confirm business purpose in plain language. No forms. No dropdowns. Just "tell us what you bought."
Natural languageMobile-friendlyOptional
Payroll-integrated Reimbursement
Approved transactions batch into a payroll journal entry. Employees get reimbursed on their next regular paycheck — no separate transfer, no separate account.
Gusto (soon)Rippling (soon)Journal export
Benefit Utilization Dashboard
See real-time utilization by employee, category, and tax bucket. Identify underused benefits and optimize your policy without waiting for quarter-end reports.
Real-timeBy categoryExportable
Auto-rules for Recurring Spend
Set rules to auto-approve recurring merchants — monthly gym subscription, internet bill, transit pass — without requiring attestation every cycle.
RecurringAuto-approveMerchant-level
Spot Bonus & On-demand Benefits
Send a one-time $500 benefit via Slack in 15 minutes. No card issuance. No pre-funding. The employee uses their existing card and gets reimbursed on the next paycheck.
InstantNo card neededSlack-friendly
Hidden Benefit Recovery
AI scans transaction history for unclaimed purchases that qualify under your policy. Employees get notified of benefits they missed — you improve utilization automatically.
Historical scanProactiveOpt-in
Multi-card Aggregation
Employees can enroll multiple cards. Visaala tracks eligible spending across all of them, so employees can use whichever card earns the best rewards for each purchase.
Multi-cardRewards-optimizedUnified view
Audit Trail & Compliance Reports
Every classification decision is logged with its rationale. Finance gets a full audit trail for IRS substantiation — defensible at examination without manual reconstruction.
Audit-readyIRS substantiationExportable
Enterprise Security
AES-256 at rest, TLS 1.3 in transit. Direct Visa VTC + Mastercard TNS integrations via mTLS — no third-party data aggregators in the chain. SOC 2 audit in progress.
AES-256mTLSSOC 2 roadmap
What's coming
Phase 2 and beyond — launching with design partners.
Phase 2
- FSA post-purchase substantiation via Banyan SKU data
- SECURE 2.0 student loan 401(k) match
- Same-day ACH reimbursement (opt-in)
Phase 3
- Native Gusto, Rippling, ADP Run sync
- QuickBooks / Xero journal entry exports
- Trip ID system for business travel
Phase 4
- Merchant card-linked offers (CLO) — employees earn cashback from partner merchants
- Benefits stacking optimizer
- Predictive utilization nudges
Want early access to the full platform?
We're onboarding design partners now. Help shape the roadmap.