No, your Benepass card will decline for any purchase that exceeds your available balance in a single benefit. 

Why?

Each benefit is a unique and separate balance with specific tracking and compliance requirements. During a transaction, each benefit's rules and current balance are considered individually and a best fit is determined. 

Alternative options

There are several ways to handle purchases that exceed a single benefit's balance.

Split payment at checkout

Ask the merchant to process the transaction as two separate payments. Use the Benepass card for the amount available in one benefit. Pay the remainder with a personal payment method, or use the Benepass card again to use a different eligible benefit's balance.

Submit for reimbursement

If allowed under your program, pay the full amount with a personal card and submit an expense for reimbursement under eligible benefits.

Accumulate funds

For benefits that accumulate before expiration, wait until the balance grows large enough to cover the full purchase amount

Common questions

Can I reclassify part of a purchase to a different benefit?

No, transactions cannot be split into smaller values for reclassification, even if the purchase would be eligible under multiple benefits. Only the entire purchase amount can be reclassified into a different eligible benefit.

Can I use multiple benefits for the same purchase?

No, Benepass cards cannot split a single purchase between multiple benefits or combine benefit balances for one transaction, even if the purchase is eligible under multiple benefits.

What if I accidentally make a purchase that's too large?

The transaction will automatically decline if it exceeds your available balance in the relevant eligible benefit. You'll need to use one of the alternative payment options listed above.

If I pay with a personal card, can I submit the receipt under multiple eligible benefits to use my entire balances?

You may submit the same receipt for reimbursement under multiple benefits if and only if your reimbursement requests sum to equal or less than the value of the receipt.