Launch Smarter, Scalable CDH Accounts in Weeks
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SEAMLESS INTEGRATION
Deliver Modern CDH Experiences
Seamless, intuitive user journeys where members can check their HSA balance, file claims, make payments, or invest, all from the same portal they use for everyday tasks like paying utilities or booking a medical appointment
- Own the Experience
- Advanced Payment Processing
- Integrated E-commerce
- Embedded Investment Functionality
Own the Experience
With Lynx, you control the experience. Lynx APIs give you the flexibility to build and own the full CDH experience on a single platform. Integrate payments, banking, investments, and e-commerce into your digital ecosystem, or use our ready-made, white-labeled option. Either way, eliminate SSOs and redirects by delivering seamless HSA and CDH functionality directly within your apps and workflows.
Advanced Payment Processing
Instantly issue physical or virtual cards with precise spend controls down to merchant IDs, merchant category codes, or to the product SKU level at tens of thousands of retailers. Lynx enables one wallet with multiple programmable accounts and benefits, eliminating the hassle of separate cards.
Integrated E-commerce
Build healthcare e-commerce directly into your CDH platform and turn it into a strategic advantage. With Lynx APIs, members can instantly shop thousands of eligible products while you capture new revenue streams. Tap into our distributor partnership network to offer OTC products, wearables, healthcare supplies, and medically tailored meals without the complexity of building it yourself.
Through Lynx's partnership with Truemed, members can connect with licensed clinicians to obtain Letters of Medical Necessity, enabling HSA/FSA purchases for critical wellness products. This broadens eligible options and drives deeper engagement on your platform.
Embedded Investment Functionality
Expand your CDH offering by embedding investment opportunities directly into your CDH experience. Lynx integrates RIA and broker-dealer services, enabling you to deliver curated portfolios, robust broker options, and robo-advisor solutions.
Speed to scale
Unifying Fragmented Accounts
Lynx eliminates the need for multiple vendors by powering all account types, including HSA, FSA, HRA, and LSA on a single platform. With flexible funding models and modular APIs, administrators can launch new programs in weeks, not months, and scale across populations with ease.
- One platform for all account types: HSA, FSA, HRA, LSA
- Employer and plan funding flexibility
- Modular APIs for rapid deployment (8–10 weeks)
- Scalable administration to millions of members
EXPANDED ELIGIBILITY
Programmable + Configurable Payments
Take control of spend with flexible, real-time rules and insights. Lynx is the only administrator that can program payments as granular as the SKU-level, giving unmatched precision over what members can purchase while unlocking new revenue streams and ensuring compliance.
- Real-time spend controls by merchant, MCC, or SKU
- Integrated wallets + instant card issuance (physical or virtual)
- Granular insights at the member and transaction level
BEST-IN-CLASS
Embedded Commerce & Modern Member Experience
Members today expect the same simplicity and personalization they experience with leading retail and fintech brands. Lynx delivers that standard through a modern, branded experience designed to meet members wherever they are, whether online, in-app, or by phone. Our platform represents years of investment in embedded e-commerce, digital engagement, and payments infrastructure, giving health plans and partners a proven way to drive activation, loyalty, and measurable outcomes.
- Seamless integration into existing digital ecosystems
- Engagement across mobile, web, and low-tech channels
- Branded experiences that match consumer expectations outside healthcare
- Embedded e-commerce storefronts for OTC, wellness, food, and other benefits
- New revenue streams through product fulfillment and LMN transactions
REGULATORY READY
Compliance, Reporting, + Tax Administration
Stay audit-ready and compliant without added complexity. Lynx supports all aspects of HSA and tax-advantaged account administration, ensuring full IRS compliance, accurate reporting, and confidence for employers and accountholders alike.
- IRS compliant reporting and 1099/5498 automation
- Tax handling and state-specific rules across all 50 states
- Automated fraud monitoring, contribution limits, and eligibility checks
- Full audit trails and real-time transaction visibility
- Reduced operational, reconciliation, and compliance burden
MARKET COMPARISON
See How Lynx CDH Offerings Compare
Our programmatic APIs make it easy for you to build one-of-a-kind healthcare financial experiences
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TAILORED SOLUTIONS
How CDH Can Work for You
Deliver frictionless experiences across every consumer touchpoint
Financial Institutions
Display customers’ CDH accounts alongside checking and savings accounts to create a unique customer experience employers will love.
Health Plans
Put CDH accounts front and center, making it easy for customers to engage with their accounts. Add e-commerce to enhance the customer experience while adding a new revenue stream for your business.
Benefit Administrators
Differentiate by building new CDH programs and automate qualified medical expenses (QMEs) to increase customer engagement.