The employer funds the plan
Set employee allocations and complete funding before card use.
HOW AYA WORKS
How spending accounts work.
Two ways to fund your plan.
See how Prepay and PostPay spending accounts work, from employer funding to employee payments and claims.
PREPAY
Fund it first.
Use the card for eligible care.
Your company loads funds before employees spend. Employees use their Aya prepaid Visa card for eligible expenses within their available balance and plan rules.
The employee pays with Aya
Use the activated card at eligible providers that accept it, with enough funds available.
The employee uploads the receipt
Keep and submit the required receipt and supporting information through Aya.
A card payment still needs to meet your plan’s rules. Out-of-pocket claims may be needed when card payment is unavailable.
POSTPAY
Pay for care.
Claim it through Aya.
Employees pay the provider, then submit a claim. The employer funds approved benefits before Aya reimburses the employee.
The employee pays the provider
Keep an itemized receipt for an expense eligible under the plan.
The employee submits a claim
Upload the receipt and required information in the app or web portal.
Approval, funding, reimbursement
After approval and receipt of employer funds, reimbursement is processed to the employee’s bank account.
An employer-funded float can support reimbursement without funding every invoice separately. Review and bank processing times still apply. PostPay is not a credit facility.
COMPARE THE EXPERIENCE
The difference is when—and how—you pay.
| Your decision | Prepay | PostPay |
|---|---|---|
| Employer funding | Before card spending | Before employee reimbursement |
| Employee experience | Pay with funded Aya card; submit receipt | Pay personally; submit claim for reimbursement |
| Access | Aya card, app and web portal | App and web portal |
| Best fit to explore | Reduce the need to pay personally for eligible card purchases | Use a reimbursement approach to employer-funded benefits |
| Plan choices | HSA, WSA or a combination | HSA, WSA or a combination |
What product options are available?
Aya’s all-in-one digital wallet, accessible on desktop and mobile, gives employees instant access to submit claims, view history, eligibility, balances, and plan information. You choose between our Prepay and PostPay options; Prepay includes our popular Visa card with white-labeling options!
Can employees submit a claim while waiting for a card?
Yes. Employees can pay for an eligible expense and submit the receipt through the Aya app or online portal for reimbursement.
ONBOARDING AND SETUP
Getting started with Aya.
Choose your HSA, WSA or Flex account, set employee benefit limits, and select Prepay or PostPay. Aya’s welcome emails guide you and your team through the next steps.
My employer set me up with an HSA+WSA, how does it work?
Great news! You have all-in-one coverage. You’ll receive a balance for each bucket to use within the specified frameworks. If your employer set up a Flex account for you, you’ll receive a lump sum and can decide how much to allocate to your HSA or WSA bucket at the start of the year!
What happens to unused funds?
Aya offers use-it-or-lose-it and carryover options. With a use-it-or-lose-it plan, unused contributions and associated taxes are returned to the employer after the claim-submission grace period. Administration fees are non-refundable.
How long does client onboarding take?
Once we receive the completed application, onboarding is completed within 24 hours.
Compare the options with your team.
Review Aya’s original guides to Prepay and PostPay plan administration.
YOUR PLAN STARTS HERE
Your plan. Your pricing. Your next step.
Confirm the account and funding fit, review your written quote, and prepare to enrol.