About Us

About Us

WE’re smart everyday people

Your smart choice for Healthcare Spending

A technology company innovating the health and wellness industry

A partnership between two experts in their fields

Strong board and experienced management team

Leveraging business lines and partnerships to offer low-cost card products

Proprietary technology designed to scale anywhere

Our Story

A partnership between two companies, experts in their fields

EP is a card program manager that believes everyone deserves access to credit, instant payments and manageable health and wellness financing. EP partners with health and wellness providers to help everyday people manage health and wellness costs. SEB is a technology company leading digital innovation through the creation of proprietary software for benefits administration and HR technology.


Our Mission

Our mission is to help everyday people gain access to instant payments and credit that will eliminate out-of-pocket health expenses.