Tempopay

The TempoPay Card is a flexible healthcare financing benefit that provides capped spending limits and automated, interest-free repayment plans to employees nationally so they can manage any allowed healthcare expenses over time. TempoPay bridges the gap between care and cost. With nearly half of Americans unable to afford a $500 medical bill, too many employees delay or forgo care they need—leading to worse outcomes, higher long-term costs, and reduced productivity. TempoPay changes that by making healthcare more affordable and accessible for everyone, regardless of income or credit score. Employees use their TempoPay Card to cover medical, pharmacy, mental health, dental, vision, and even veterinary expenses. They repay their balance automatically through post-tax payroll deductions or directly from their bank account—without interest, fees, or credit checks. As they repay, their available balance replenishes, creating a simple, revolving solution that aligns with real-world cash flow. For employers and health plans, TempoPay strengthens benefit design by reducing delayed care, improving satisfaction, and supporting healthier, more financially stable employees. It works with any health plan, including deductible and copay models, and can be implemented at any time of year—with most programs launching in as little as two weeks. TempoPay makes healthcare benefits usable, sustainable, and human—so people can get the care they need, when they need it, and pay it back at their own pace.