Declined Transactions

Can I combine the balance from my different benefits or will the card decline?

Benepass benefits are typically set up to be used independently for different categories of purchases. In most cases, each benefit will serve a different purpose, so what's eligible under one benefit will normally not be eligible under a different benefit, therefore, benefits can't be combined to make a larger purchase.

This is true even if your employer provides you with a very flexible or broad benefit such as a bonus, incentive or holiday gift through Benepass, meaning that your purchase may be eligible under multiple benefits in this scenario.

In summary, each benefit balance must be used individually, regardless of whether the purchase is eligible under more than one category.

Here is an example:

  • Mary's employer provided her with a Holiday Gift of $50
  • Mary also has a Lifestyle Spending Account (LSA) of $100
  • Mary swipes her card to buy something that costs $150. The result? The card declines because the balances shouldn't be combined.
    • In this case, Mary would need to use her holiday gift and LSA balance separately by purchasing something for $50 or under, and another purchase for $100 or under.

Alternatively, here are some additional options so that you can make the best use of your funds in this situation:

  1. If allowed by the merchant, you can ask if they allow split payments. If so, you can ask them to split the total purchase into smaller amounts that can be covered with your Benepass for the amount you have available under each benefit, or between Benepass and a personal payment method.
  2. If your benefits program allows you to submit an expense for reimbursement, you can make the purchase with a personal payment method and submit an expense for reimbursement under each benefit where it is eligible using the same receipt. Note that you will only be allowed to submit the expense for the amount you have available under each benefit. ​

Questions? We are happy to help! Please reach out to Benepass Support for any assistance.

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