Product
The lifestyle spending account your team will actually use
PerkPirate gives HR a simple way to offer flexible benefits — set categories, fund the program, and let employees spend with a card that just works. No reimbursement paperwork. No forfeited balances.
How it works
One clear balance per employee. Every person sees exactly what they have and what they've spent — always accurate, always up to date.
You set what's eligible. Choose categories and limits; the card works for approved spend and politely declines the rest, with clear messaging in the employee app.
You prefund the program. We handle settlement and give Finance a clean audit trail.
HR-ready admin. Configure programs, manage employees, and track utilization from the employer dashboard at dashboard.perkpirate.com.
Employee mobile app. Balances, transactions, card controls, and notifications in one place.
Connects to your HRIS and SSO. Roster sync and single sign-on for a setup that fits how your company already works.
Cards your team actually uses
Virtual and physical cards with Apple Pay and Google Pay where supported — open-loop on major card networks.
Card-first by default. Employees spend at eligible merchants directly; reimbursement is available where your plan requires it.
What employees can spend on
Employer-defined buckets — wellness, home office, coworking, childcare, learning, inclusion, recognition, and more — with templates and utilization analytics.
Unused balances roll over. No use-it-or-lose-it calendar on discretionary programs.