Flexible employee benefits, delivered via wallet
Give employees a monthly benefit budget. They choose how to spend it at approved merchants. Employers get compliance reporting and better ROI on benefits.
What's not working with current solutions
Traditional benefits have low engagement
Health club memberships go unused. Vague wellness programs don't motivate employees. Money spent, value unrealized.
One-size-fits-all doesn't fit anyone
Some employees want gym, others want mental health support, others want ergonomic gear. Standard benefits satisfy none of them well.
Managing multiple benefit providers is expensive
HR juggles vendors, reimbursements, invoices. Employees jump through hoops. Everyone loses time.
The 7Konto approach for employee benefits
Employer configures benefit program
Set monthly stipend amount, approved merchant categories (fitness, wellness, learning, coworking), roll-over rules.
Employees get benefit card in wallet
Wallet card shows current balance. Push notifications for balance updates and new partner merchants.
Employee spends at approved partners
Gym, yoga studio, therapy platform, learning platform, coworking space — any partner in the network accepts the card.
Automatic monthly refresh
Balance refreshes each month. Unused amounts can carry over or expire per your policy.
Employer sees engagement data
Which employees are using benefits, which categories are popular, ROI on the program. Anonymized reporting.
What you get
Purpose-built for employee benefits use cases. Configured to match your specific workflows.
Category-based spending
Wellness, learning, mental health, ergonomic, coworking — categories your employees actually value.
Flexible allocation
Employees can spend the full amount in one category or split across multiple. Their choice.
Roll-over rules
Configure whether unused amounts roll to next month, are forfeited, or vest annually.
Merchant partner network
Local gyms, wellness providers, online learning platforms — configure a network suited to your workforce.
Anonymous engagement reporting
Aggregate metrics show program engagement without violating individual privacy.
Multi-currency for global teams
Same program works for teams in EU, US, Ukraine, and other markets. Local currency, local merchants.
Real-world applications
Specific ways businesses in this space use 7Konto today.
- Monthly wellness stipend ($100-200/month per employee)
- Learning and development budget (annual allocation for courses, books, conferences)
- Remote work allowance (ergonomic gear, home office setup)
- Mental health benefit (therapy, meditation apps, support groups)
- Fitness benefit (gyms, yoga studios, fitness classes)
- Coworking day passes for remote employees
- New parent support (baby items, childcare, family services)
- Performance rewards (immediate bonuses, birthday gifts)
- Online partners — global learning platforms, wellness apps, e-shops (widget or PSP checkout embedding)
Deployment expectations
Flexibility drives higher engagement vs. locked-in single-vendor benefits
1-2 weeks including merchant network setup
Common questions from employee benefits businesses
What if we don't have merchant partners in some cities?
We help build the merchant network in your key locations. For remote workers in various cities, we can approve reimbursement claims (upload receipts) or work to add local merchants. Global online partners (learning platforms, meditation apps) work everywhere.
Can employees suggest new partner merchants?
Yes. Built-in feature: employees can request adding merchants they use regularly. HR approves, we onboard the merchant, they join the network. Everyone benefits.
What about privacy? Do employers see individual transactions?
Employers see aggregate data by category, but not individual employee transactions (unless required for compliance/audit). Employees see their own detailed history. Privacy-first design.
How is this different from a debit card or expense reimbursement?
Category restrictions and merchant network. A debit card is open-loop — employees can spend anywhere. Our benefit card is closed-loop — only approved merchants and categories. Reimbursements are painful for everyone; our model is real-time and doesn't require receipts.
Other industry solutions
Similar problems, different industries.
Gift Cards for Retail Chains
Launch a digital gift card program without building an app. Sell online or in-store. Delivered to customer wallets in seconds.
Restaurants & HORECA
Digital gift cards and prepaid meal balances for restaurants, cafes, and hospitality. Faster checkout, higher repeat visits, no customer app.
Hotels & Hospitality
Guest room account payments, digital hotel gift cards, and multi-property loyalty programs. Works with existing PMS integration.
Ready to launch employee benefits on 7Konto?
Free 30-day pilot with full setup and training. We configure everything for your specific business. No credit card required.