Hydrogen partners access ONE bundled platform with all products listed.
Add spending controls, analysis, categorization, and budgeting to your debit program.
Use Hydrogen's spend engine at any processor and sponsor bank. Our powerful platform can help you with controls, authorization, budgeting, and cash flows. Integrate seamlessly to any consumer app or embed our configurable no-codes.
Set controls on our account portal across all cardholders for spending, withdrawals, velocity, restricted categories, and more.
Allow cardholders to set their own spending controls to override program level rules. Both APIs and no-codes are available.
If you are not using our program management and have auth control at your processor, use our API to receive instant auth decisions based on your controls. Submit raw or cleansed data for full or partial auth amounts.
Use our API to: check the limit status of a cardholder, show how much of the limit has been used or is remaining, pull if the limit has been breached, and calculate how much time is left in the period before the limit resets.
Allow users to view a detailed breakdown of spending by merchant, category, and time period. Both APIs and no-codes are available.
Allow users to view a summary of total income and expenses over a time period. Both APIs and no-codes are available.
Allow users to set and track budgets against cleansed and categorized transaction data. Both APIs and no-codes are available.
Calculators for retirement, savings, financial health, mortgage, and financial goals. Both APIs and no-codes are available.
Transaction descriptions are cleansed to a standard list of merchant names with logos, locations, and websites, allowing for more granular controls and alerts.
Transaction Merchant Category Codes (MCC) are mapped to standardized categories and subcategories, allowing for more user-friendly controls and alerts.
Configurable and embeddable apps for transactions, spending controls & analysis, notification settings, budgets, and cash flows.
View analytics on spending, income, withdrawals, merchant data cleansing, notification delivery, and more.
Our no-code components save you years of contracting, API integration time, and product development. You can configure dozens of features, such as colors, logos, illustrations, and spend options. Below, we show the power of our Budgeting no-code.
Startups, scaleups, solution providers, and enterprise institutions leverage Hydrogen Spend in as little as 1-day to enhance new or existing banking programs.
Startups use Spend with our bundled program management plans. Launch a new program in as little as 2-weeks!
Scaleups use Spend to add functionality not offered by their current solution providers. Add in as little as 1-day!
Solution providers use Spend to enhance their offering with a fully built-out middleware API stack for spending.
Enterprises use Spend to accelerate their time to market for budgeting, cash flow, and other data intensive features.