Hydrogen Spend

Add spending controls, analysis, categorization, and budgeting to your debit program.

Spend Features

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.

Program Spend Controls

Program Spend Controls

Set controls on our account portal across all cardholders for spending, withdrawals, velocity, restricted categories, and more.

Card Spend Controls

Card Spend Controls

Allow cardholders to set their own spending controls to override program level rules. Both APIs and no-codes are available.

Transaction Authorization

Transaction Authorization

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.

Transaction Limit Checks

Transaction Limit Checks

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.

Spending Analysis

Spending Analysis

Allow users to view a detailed breakdown of spending by merchant, category, and time period. Both APIs and no-codes are available.

Cash Flow Analysis

Cash Flow Analysis

Allow users to view a summary of total income and expenses over a time period. Both APIs and no-codes are available.

Budgeting

Budgeting

Allow users to set and track budgets against cleansed and categorized transaction data. Both APIs and no-codes are available.

Financial Calculators

Financial Calculators

Calculators for retirement, savings, financial health, mortgage, and financial goals. Both APIs and no-codes are available.

Merchant Cleansing

Merchant Cleansing

Transaction descriptions are cleansed to a standard list of merchant names with logos, locations, and websites, allowing for more granular controls and alerts.

Transaction Categorization

Transaction Categorization

Transaction Merchant Category Codes (MCC) are mapped to standardized categories and subcategories, allowing for more user-friendly controls and alerts.

Embeddable No-Code Apps

Embeddable No-Code Apps

Configurable and embeddable apps for transactions, spending controls & analysis, notification settings, budgets, and cash flows.

Business Intelligence

Business Intelligence

View analytics on spending, income, withdrawals, merchant data cleansing, notification delivery, and more.

Orchestrated No-Codes

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.



Spend Use Cases

Startups, scaleups, solution providers, and enterprise institutions leverage Hydrogen Spend in as little as 1-day to enhance new or existing banking programs.

New Fintechs

New Fintechs

Startups use Spend with our bundled program management plans. Launch a new program in as little as 2-weeks!

Existing Fintechs

Scaleups use Spend to add functionality not offered by their current solution providers. Add in as little as 1-day!

Card Processors

Card Processors

Solution providers use Spend to enhance their offering with a fully built-out middleware API stack for spending.

Traditional FIs

Traditional FIs

Enterprises use Spend to accelerate their time to market for budgeting, cash flow, and other data intensive features.

Frequently Asked Questions

Is Hydrogen Spend white labeled?

Yes! All of our no-code UI is white labeled and can be configured on our portal.

Can I use Spend if I have an existing banking or debit program?

Yes! It is recommended to run Spend where Hydrogen is the program manager, because you will get access to all our other products and the Spend engine is 100% streamlined and automated into the card spending. However, you can still use all the Spend features if you run a program outside of Hydrogen.

Are any third-party vendor costs included in the price?

Yes! All costs are bundled in one contract.

Still have questions?

Questions

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