Administer your government or healthcare disbursement programs
It can be difficult for government or healthcare disbursement program administrators to identify and categorize purchases made in specific categories. For example, food stamp programs allow only specific types of foods to be purchased with governmental aid, and healthcare cards can only be used for specific prescriptions.
When the cardholder makes a purchase using their healthcare or government-issued card, the Kipp platform verifies and enriches the issuer’s data in real-time to allow on-the-spot decisioning based on individual SKUs. If the cardholder attempts to buy items that do not meet the program’s criteria, the purchase will be denied.
Benefits
Enhanced decision-making
Gain real-time insights into individual items purchased, enabling informed authorization and allocation decisions based on specific program rules.
Improved program compliance
Manage lost cards, control purchases at the item level, and view cardholder usage. Share data with government agencies and medical clinics.
Access to analytics
Use purchase data to drive insights that can help companies link consumption with future personalization.
Enhanced customer experience
Provide a better experience than paper, support mobile wallets, and allow flexible spending across e-commerce and physical stores – cards do it all.
Ask kipp
Answers to the most common questions about Kipp
What is Kipp’s value proposition?
Kipp’s value proposition includes real-time collection of SKU-level data from the POS or cashier, classification of line items into predefined categories, transaction matching between merchant and card issuer, and sharing results with the card issuer—all within the authorization process.
What is the impact on the consumer or cardholder?
The transaction is seamless for the consumer / cardholder. The time it takes Kipp to collect and share the data has no significant impact on the authorization time.
How does an issuer integrate with Kipp?
Issuers connect to the Kipp platform via a secure API integration.
Why does an issuer need SKU-level data?
SKU-level data allows issuers to support specific use cases, such as restricted payments on individual line items or categorizing items for different payment methods (e.g., wallet, benefits). Our broader vision is to enable consumers to view their purchase data on any platform of their choice, but in the meantime, this data supports various issuer needs.
What type of data will merchants share with issuers?
Merchants can choose to share user data, behavioral data, transaction data, and SKU-level (Level 3) data based on the individual use case.
Can rules be customized to meet the specific needs of each issuer?
Yes, we offer recommended rules, and rules can be created and adjusted according to each issuer’s specific requests.
How does Kipp ensure compliance with government disbursement program restrictions?
Kipp’s platform verifies and enriches issuer data in real-time, categorizing individual items based on program criteria. This ensures that only eligible items are purchased with government-issued cards, enhancing compliance and preventing unauthorized transactions.
Can Kipp’s solution handle multi-benefit cards, and how?
Yes, Kipp’s solution can manage multi-benefit cards by pre-defining allowable categories for each benefit. It categorizes purchases based on real-time SKU-level data, ensuring transactions align with the specific benefits and rules set by the issuer.
