Workplace benefit program

More buying
power.
Instantly.

Amplify is a workplace benefit that stretches employee pay on the everyday essentials people already buy. Employers sponsor seats. Employees choose whether to use them.

Request program details How it works
Essentials only Groceries, fuel, housing, utilities
Voluntary Employees opt in each term
Flat annual fee One seat fee per enrolled employee
Hands passing groceries and a drink across a checkout counter

Essential Spending Account

A benefit,
not a wage
increase.

Amplify is the first Essential Spending Account. An ESA is a workplace benefit that can be spent only on the things a household cannot skip.

Employers want to help with the cost of living. A raise is the obvious tool and an expensive one. Every dollar of increase carries payroll cost, and much of what reaches the employee lands on things that are not essentials.

Amplify does something narrower. An employer sponsors a seat for each employee it wants to cover, and pays a fixed annual fee for that seat. The employee loads the card with post-tax dollars out of take-home pay. Amplify covers the gap between what the employee puts in and what the card can spend. The card works only at essential-category merchants, and when an employee pays, the merchant is paid in full at settlement, the same as any other card transaction.

Participation is a choice. The employer sponsors the seat. The employee decides whether to use it, and how much to put in.

Where it works

Nine categories. Nothing else.

Amplify cards are accepted only at merchants in essential categories. The restriction is not a limitation bolted onto the program. It is the reason the program works at all.

  • GroceriesSupermarkets, food retail
  • FuelService stations
  • Water & sewerMunicipal bills
  • HousingRent, mortgage, property tax
  • UtilitiesElectric and gas
  • InternetHome service providers
  • ChildcareDaycare and after-school
  • Auto repairService and parts
  • Health insurancePremiums to carriers or exchanges

Merchants do not need to sign up, install anything, or change how they take payment. To a merchant, an Amplify transaction looks like every other card transaction, and settles like one.

How it works

Four steps, in order.

01

An employer joins

The employer enrolls, chooses how many employee seats to sponsor, and pays a fixed annual fee for each one.

02

Employees decide

Each employee chooses whether to participate. There is no default enrollment and no one is entered automatically.

03

The card is funded

The employee loads the card with post-tax dollars. Amplify covers the gap, so the card can spend more than the employee put in.

04

Merchants are paid

When an employee pays, the merchant receives full payment at settlement, on the same terms as any other card transaction.

For employers

Help with the cost of living, without a wage increase.

  • Employees get more buying power on the essentials they already pay for.
  • Cost is a fixed annual fee for each seat you sponsor, known before the year begins.
  • You choose how many seats to sponsor and which employees to cover.
  • Seats can be added mid-year at a pro-rated fee.
Request program details

For employees

Your call, every term.

Three sources fund your card.

  1. You You load the card with post-tax dollars out of your take-home pay.
  2. Your employer Your employer sponsors your seat and pays an annual fee for it.
  3. Amplify Amplify covers the gap. That is what makes the card go further than what you loaded.
  • Taking part is your choice. Nothing starts unless you opt in.
  • Your card works at groceries, fuel, housing, utilities, water and sewer, internet, childcare, auto repair, and health insurance.
  • You will see the full terms, including how the program is treated for tax, before you decide anything.
  • If your employer has not joined yet, you can tell us who they are.
Ask a question

Because working
should be enough.

That belief is the reason Amplify covers the gap.

The deal is supposed to be simple. You work, and you can cover what your family needs. For a lot of people it stopped being simple, and no single paycheck, employer, or program was ever going to fix that on its own.

So we built something where nobody has to carry it alone. Employers put in. Employees put in. Amplify puts in. Together a dollar reaches further than any one of us could send it.

Get in touch

Talk to us.

Amplify is in development.

We are speaking with employers who want to be early partners, and we are not yet open for general enrollment. Leave your details and we will be in touch as the program opens.

We use what you send here to reply to you. Nothing else.