Spence is a pioneering financial service designed to help employers and employees maximize their tax savings through Health Savings Accounts (HSAs). With Spence’s Cardless Cashback feature, organizations can recover up to 10 years of missed tax benefits, leading to substantial savings on payroll and healthcare costs. Employers benefit from enhanced employee retention and increased HSA utilization without incurring upfront costs.

Spence simplifies the process for employees by providing a user-friendly app that helps confirm eligible expenses and automatically delivers cashback directly to their next paycheck. This innovative approach not only boosts financial wellness but also supports a more productive workforce by alleviating employee financial stress.

With a team of experts from healthcare, finance, and technology, Spence stands out by ensuring that employees can reclaim what they're owed while optimizing company costs. Whether you have a large workforce or just a few eligible employees, Spence delivers a rewarding benefit that prioritizes financial wellbeing for everyone involved.