Lifestyle Spending Accounts (LSA), FSA, HSA, HRA | Forma Card
Available now! 2026 global lifestyle spending accounts benchmark report
Explore Forma's benchmark report, the definitive resource for insights and trends about LSAs and the flexible benefits landscape.
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The flexible and hassle-free Forma Card
The Forma Card can be used anywhere Visa is accepted. Many eligible payments are automatically adjudicated and don’t require receipts.
Nothing out of pocket
Employees can choose how to use their benefits and spend anywhere Visa is accepted.
Automated approval
Most eligible payments smartly auto-adjudicate without receipts. For corner cases when a receipt is required, employees can quickly submit through desktop or mobile.
Only pay for what employees use
Direct to payroll stipends, work from home subsidies, and expense report software fees are grossly inefficient. Save a lot of money and become everyone’s friend!
A card that caters to everyone
The Forma Card adapts to different lifestyles. Commuters can tap with their phone, employees can use virtual cards, while traditionalists can opt for plastic. We’ve got you.
Forma Card: The modern way to manage benefits
Instant issuing
Unlike legacy providers that can take weeks, Forma can instantly issue a card number for employees to use immediately.
Bleeding edge technology
Forma sits on top of a state-of-the-art payments architecture. Security, privacy, and fraud prevention are built-in.
Adaptive with your policies
Post tax benefits and Lifestyle Spending Accounts can set merchant availability and restrictions.
Track usage and adoption
See in-depth spend reporting with Forma’s powerful analytics.
Payroll integration
All card transactions receive appropriate tax treatment and seamlessly integrate with your payroll provider.
Forma is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC.
The Forma Visa® Debit Card is issued by Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted.