Every ACH, every statement, every dollar accounted for.

A health reimbursement arrangement administration platform needed the full flow from employer deposits to employee card funding automated, with compliance built in from the start rather than bolted on.

"We want you to create these statements and then we want you to initiate these ACHs. That is basically the plan."

"Auto-audit is very important for us in this operation. Because we are a compliance company."

1. 1Employer onboards: ACH authorization is received, employer profile is created, and initial deposit is configured
2. 2Monthly deposit: a recurring workflow triggers on the 20th, pulls employee spending data via API, calculates the total deposit, and initiates the ACH pull with daily status polling and webhook listeners
3. 3Statements and delivery: employee line items aggregate into branded PDF statements for employer and employee, statement IDs couple to ACH transaction IDs, and everything delivers via email
4. 4Settlement and status: ACH settlement initiates, paid or unpaid status tracks at the statement level via API, and proof of reimbursement is captured for compliance
5. 5Fund distribution: once ACH clears, funds distribute to employee sub-accounts and virtual cards load

Every workflow carries the compliance principle forward end to end, from initiation through proof of reimbursement, in a complete JSON audit trail, not a summary of one.