SOLUTIONS GUIDE
Explore how Lynx’s API capabilities let you embed healthcare financial tools directly into your existing member experiences — helping your members save, spend, invest, and shop for approved healthcare products with ease.
Build and Launch an
E-commerce Platform
HSA
FSA
ICHRA
OTC Store
in Weeks—API-first or White Label
Our end-to-end platform powers payments, benefits, and e-commerce for any plan, provider, or platform
TRUSTED BY
OUR SOLUTIONS
Explore What You Can Build with Lynx
Our programmatic APIs make it easy for you to build one-of-a-kind healthcare financial experiences
1 Banking and Ledgering
Leverage our foundational ledgering system, banks, card processors, and more to quickly launch new banking and payment programs, including consumer-directed health (CDH) accounts like health savings accounts (HSAs) and flexible spendings accounts (FSAs), directed spend accounts like healthy food and OTC stipends, reward accounts, loyalty accounts, and more.
2 Advanced Payment Processing
Issue physical or virtual cards instantly, with funds restricted by merchant category codes, merchant IDs, and even product SKUs, across tens of thousands of retailers. Lynx cards support multiple bank accounts and benefits on a single card, eliminating the need for members to carry multiple cards with them.
3 E-commerce
Build an e-commerce experience on the backbone of our pre-built relationships with product distributors, unlocking access to thousands of qualified medical expenses (QMEs), healthcare products, and medically-tailored meals.
4 Investments
Utilize our integrated RIA and broker-dealer capabilities to quickly offer embedded investment options to your customers. Build curated investment lineups, broaden your broker experience, and even support a robo-advisor for a managed investment experience.
WHY LYNX
Design the Experience You Want
Deliver frictionless experiences across every consumer touchpoint
Own the consumer experience
Deliver seamless healthcare financial experiences with our full suite of APIs— empowering your members to manage claims, OTC, transportation, and rewards in one place while you streamline operations and reduce costs.
Lower costs and drive new revenue opportunities
Eliminate extraneous vendors with a single fintech partner that supports product innovations across Medicare, Medicaid, and commercial use cases.
Know banking and healthcare regulations are taken care of
Trust the Lynx team’s deep healthcare and financial services expertise and outsource the management of compliance and regulatory complexities, freeing up your time to focus on your core business.
Build a foundation of trust
Benefit from a true partnership approach by working alongside the dedicated and experienced team at Lynx to build seamless, unified healthcare financial experiences.
BUILD WITH LYNX
Choose How You Work with Us
Integrate Lynx fintech solutions into your existing experience with flexible support levels
-
API
-
White Label
API
Embed modern healthcare fintech directly into your existing digital experience. Lynx APIs give you the building blocks to design, launch, and scale healthcare payments and e-commerce without having to rebuild your infrastructure. Flexible, modular, and secure, our APIs are designed for speed, control, and scale.
- Full programmatic API suite
- Onboarding + implementation support
- Access to the Lynx Admin Portal
- Program management + reporting
- Optional customer service support
White Label
Don’t have internal tech resources? Lynx offers turnkey white-label solutions that combine our fintech infrastructure with ready-to-go digital experiences. We design, build, and maintain a fully branded, customized platform and mobile experience for you, so you can launch your platform quickly without the internal dev lift.
- Branded mobile + web experiences
- End-to-end design, build + maintenance
- Integration support for benefits, funding, + e-commerce
- Customer service + operational support
- Marketing + sales enablement resources
BROAD MARKETPLACE OFFERINGS
Owned and White-Labeled
E-commerce Experience
Lynx connects you to a vast healthcare supply chain with multiple Fortune 10 suppliers. Our nationwide fulfillment network ensures fast, reliable delivery, while simple SSO or API connections provide instant marketplace access—no complex backend work required.
- Access leading healthcare suppliers, including Fortune 10 companies
- Streamline fulfillment with efficient, reliable logistics
- Connect instantly via SSO/API—no development-heavy integrations
RESOURCES
Learn How Lynx Helps Customers
Healthcare fintech platform · API or custom app
The Financial Infrastructure for Healthcare
Build benefits, accounts, payments, e-commerce, and rewards into the experience your members already use, with one configurable platform underneath it all
Consumer-directed health
Replace legacy account technology without giving up control
Power HSA, FSA, HRA, and LSA programs through your own experience, with one card, one ledger, and APIs built for healthcare.
Millionsof accounts administered
< 1 secreal-time authorization
One coreacross lines of business
HEALTH WALLET
4 accountsGood morning, Jordan
Primary productHSA / FSA Wallet
HSASpending, saving, and investing in one member experience.
Total healthcare balance$8,462.18HSA, FSA, and LSA on one card
AccountsPowered by Lynx
LYNX APIGET
/accounts/member/balance
{
"clientMemberId": "mem_9f2b1c84",
"accountType": "HSA,HEALTH_FSA"
}
RESPONSETransaction data returned
200REAL-TIME DATAACCESSIBLE NOW
APIrulesmember experience
ONE INTEGRATIONAccounts · cards · payments · commerce
Member balance synchronized
Trusted across healthcare
One platform for every opportunity
Built for Every Healthcare Payment Silo
Each category has historically required separate rails, rules, and experiences. Lynx runs them on one configurable platform, so you can start with one use case and expand without adding another vendor.
Health SavingsInvestable$6,842
Flexible SpendingHealthcare$1,120
Lifestyle SpendingFitness + family$500
Consumer-Directed Health
Replace conflicted, one-size-fits-all infrastructure with HSA, FSA, HRA, and LSA accounts, payments, claims, and investing you own and differentiate, by API or custom app.
Explore CDH →FLEX CARD$1,240.00YOUR PLAN •••• 1842
OTCFoodDental · Vision · HearingRidesRewards
Supplemental Benefits
Unify OTC, food, transportation, dental, vision, hearing, rewards, and care gaps on one branded card and member experience, without a closed vendor ecosystem.
Explore Supplemental Benefits →Employer$965 / mo
Lynx
Premium$715
HSA$250
ICHRA + Next-Gen Plans
Fund preferred care at the point of payment, not weeks later, with modern APIs connecting employer funding, premium payments, reimbursements, and compliant healthcare accounts.
Explore ICHRA →GLP-1 · 5 mgAt the pharmacy counterNDC verified
$650.00approved in real time
Program $500HSA $150
Pharmacy Access
Price and pay in real time with NDC-level adjudication instead of reimbursement, backed by real-time eligibility and flexible payment rules.
Explore Pharmacy →First Aid Kit$42.18 · ships freeEligible
OTC $30.00FSA $12.18
Member pays$0.00
Healthcare E-commerce
Embed eligible products, benefit payments, split tender, tax, and fulfillment directly into your experience.
Explore E-commerce →$75 earned3 of 4 healthy actions
Wellness visitFlu shotA1C checkEye exam
Rewards + Incentives
Connect personalized rewards to healthy actions to help close care gaps, and fund rewards alongside every other benefit purse.
Explore Rewards →YOUR HEALTH PLAN
Good morning, Maria
Your benefits, rewards, and care.Total available$1,240.00YOUR BRAND •••• 1842
Your benefits
One card · many purses
Real-time eligibility
Your brand · API or custom app
Your brand. Your app. Every time.
Your Ecosystem, Not Another Vendor App
Members see only the benefits relevant to them, under your brand. Lynx runs the accounts, rules, payments, e-commerce, and fulfillment underneath, whether you build on our APIs or we build your custom app.
Members stay in your appOne card, one coreEmbed within your experienceYou own the data
API or custom appAlways your app. Choose who builds it.
Custom app
Lynx builds it for you
A web and mobile app designed around your brand and members, built and run by Lynx.
See how custom builds work →242,000+members moved to one consistent, branded experience
“Lynx has been equally invested in our success and has worked as an extension of our team.”
See how Priority Health and Lynx combined modern technology, reliable execution, and true collaboration to deliver a better Medicare Advantage member experience.
View the case study →
Priority Health Case StudySee how Priority Health and Lynx combine innovative technology and true collaboration to deliver a better member experience.See our APIs in action
Built on APIs Lynx Owns
Use Lynx-built APIs to move money, apply benefit rules, and bring real-time account, transaction, claims, investment, product, and eligibility data into the experiences you already own.
docs.lynx-fh.comVERIFIED ENDPOINT
GET
/accounts/member/balance{
"clientMemberId": "mem_9f2b1c84",
"clientOrgName": "Elevance_Health_West",
"accountType": "HSA,HEALTH_FSA,HRA,LSA"
}
Response
{
"memberAccounts": [{
"type": "HSA",
"availableAmount": 4820.00,
"verifiedIndicator": true
}]
}
API response→your experience
ACCOUNT API
View healthcare balances in your app
Pull every connected healthcare account into one member view without sending the member to another platform.
Real-time data accessLIVE DATA
The same Lynx data can power your member experience, service tooling, and downstream workflows as soon as it is available.
Actual fields from the Lynx API response
Why Lynx
Why Healthcare Organizations Choose Lynx
Own the consumer experience
Keep every account, benefit, purchase, and care journey inside your brand and ecosystem.
Lower cost, create new economics
Consolidate point solutions while opening revenue from payments, balances, and commerce.
Healthcare complexity, handled
Operate on infrastructure designed around healthcare accounts, claims, payments, and regulation.
A team built to extend yours
Work with an independent platform and a team invested in making your program successful.