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Lifestyle spending accounts

Flexible benefits that fit every lifestyle

A recurring benefit that flexes across fitness, family, learning, pets, travel, and home-office. Design the categories, set the caps, let employees choose. Global by design.

Empuls Lifestyle Spending Accounts, diverse life-moment collage with wallet UI

TRUSTED BY LEADING BRANDS

24/7 AI
AB InBev
AT&T
Acko
Angel One
CGI
DAMAC
Evolent Health
First American
Fractal
GCash
Infosys
InMobi
Mahindra
Rakuten
Riyadh Air
SanDisk
Tesco
Western Digital
24/7 AI
AB InBev
AT&T
Acko
Angel One
CGI
DAMAC
Evolent Health
First American
Fractal
GCash
Infosys
InMobi
Mahindra
Rakuten
Riyadh Air
SanDisk
Tesco
Western Digital
24/7 AI
AB InBev
AT&T
Acko
Angel One
CGI
DAMAC
Evolent Health
First American
Fractal
GCash
Infosys
InMobi
Mahindra
Rakuten
Riyadh Air
SanDisk
Tesco
Western Digital
Why an LSA

Your 26-year-old wants a gym pass. Your 42-year-old wants childcare

A one-size-fits-all perk fits nobody. An LSA hands you one budget and many rails, employees pick from a curated catalog that flexes with life stage, geography, and priorities.

Persona 01 / 05

Early career

Curious 20s building habits.

Typical picks from the catalog
Gym membership
Learning subs
Concerts & gigs
Co-working passes

Four numbers that frame the LSA story

500+

Global direct partners

Negotiated partnerships across wellness, learning, lifestyle, family.

12+

Configurable categories

Start with the out-of-the-box categories or design your own.

3

Consumption modes

Multi-benefit card, partner marketplace, credit and BNPL, all live.

2-3×

Adoption uplift

Typical employee engagement vs. a one-size-fits-all stipend.

02Chapter · Category catalog

12 out-of-the-box LSA categories, plus one you design

Start with the 12 categories below or build a thirteenth in the admin console, set the name, icon, caps, and eligibility. Every tile is rule-driven and country-aware.

Wellness

Fitness, mental health, diagnostics, therapy.

Family

Childcare, eldercare, pet care, parental top-ups.

Learning

Courses, conferences, books, subscriptions.

Home office

Ergonomic chairs, desks, lighting, internet.

Travel

Personal leave, sabbaticals, home visits.

Celebrations

Birthdays, anniversaries, cultural milestones.

Lifestyle

Hobbies, grooming, entertainment.

Mobility

Ride-hail credits, cycling gear, commute passes.

Nutrition

Meal plans, coaching, grocery subscriptions.

Pet

Vet visits, insurance, boarding, pet sitters.

Gadget

Device leasing and refresh cycles.

Build your own

Build your own

Design a category, set its name, icon, caps, and eligibility in a few clicks.

Filter by life stage, region, or popularity inside the admin console.

How employees spend

One LSA, three live consumption modes

Whether the spend is a $9 yoga drop-in or a $2,000 laptop on EMI, the LSA flexes. Switch any mode on or off per cohort.

Empuls multi-benefit card, marketplace, and credit/BNPL consumption modes
Live
How they spend

Multi-benefit Card · Marketplace · Credit/BNPL

Three live consumption modes for every benefit, all available today. Swipe at MCC-mapped merchants, browse a curated marketplace, or salary-deduct big-ticket spends.

Card · Marketplace · Credit

Empuls multi-benefit wallets with configurable limits
What they spend on

Multi-benefit wallets with configurable limits

Meals, fuel, health and wellness, L&D, gifting, charity, and more. Every wallet has its own eligible-merchant list, MCC restrictions, tax rules, and budget controls.

Meals · Fuel · H&W · L&D · Gift · Charity · and more

Empuls audit-ready compliance and 25+ HRMS integrations
How it stays safe

Audit-ready compliance and 25+ HRMS integrations

Compliance dashboards, approval workflows, and HITL exception handling. Tax-payroll feeds reconcile automatically; everything is logged for audit.

Compliance dashboards · 25+ HRMS connectors · approval workflows

For Finance & HR

Controls finance teams ask for, in a console HR actually opens

Five admin levers that move LSA programs from spreadsheet-managed stipends into a rule-driven, audit-clean operating system.

Headline capability

Configurable caps

Monthly or annual, per wallet, per band, per location. Set them once, enforced everywhere.

Wellness
$120 / mo
Family
$300 / mo
Learning
$200 / mo

Eligibility rules

Slice by BU, tenure, role, geography, and grade, so the right people see the right LSA bundle.

Utilization analytics

Per-category uptake, unused balance, rollover modelling, the inputs you need to tune budget mid-cycle.

Recurring distribution

Auto-credit at the start of every cycle. One-off top-ups for life events run on the same rail.

Data capture

Every spend and redemption flows into one ledger, ready for finance audit and budget retrospectives.

FAQs

Frequently asked questions

An LSA is broader and category-flexible. Unlike a US FSA (medical-only and tax-regulated) or a single-purpose stipend (gym-only), an LSA lets employers fund a recurring budget that flexes across wellness, family, learning, lifestyle, and more, with one set of rails.