Pricing Page

NOW IRS-COMPLIANT

A Premium Benefit for Employees – No Cost to the Company

PTO Exchange is funded entirely through an IRS-compliant service charge paid by employees at the time of exchange. No PEPM fees. No monthly hosting costs. No new budget line. Just a benefit your employees love — and a balance sheet that improves over time.

What that means for your organization:

No Per Employee Per Month (PEPM) fees You are not charged for employees who don't exchange. There are no recurring monthly costs based on headcount, enrollment, or eligibility.
No monthly platform or hosting fees The platform runs, integrates, and reports — and you're never billed for infrastructure.
No new employer budget line required Outside of a nominal one-time implementation fee, there is no ongoing cost to the company. The program is entirely self-sustaining.
Employees who don't exchange pay nothing either Cost only occurs when value is delivered. If an employee doesn't make an exchange, no charge is incurred — by them or by you.
You only pay when the benefit works Our pricing model is aligned with your outcomes. We succeed when your employees do.

How the Employee Service Charge Works

What's Included — at No Additional Cost to the Employer:

Mobile App

Payroll Integrations

IRS Processing

Advanced Reporting

SOC II Security

Retirement & 401k

HSA Contributions

Travel & Leisure

Education & Tuition

Leave Sharing

Customer Support

Feature Updates

LPA Exchange is priced on a modest per-employee-per-month basis, calculated on the number of employees eligible for the benefit. There are no surprise costs, no year-end true-ups on unused funds, and no complex fee structures.

Unlike traditional FSAs or pre-funded wellness accounts, LPAs are reimbursement-based — meaning you pay only for what employees actually spend. Your PEPM rate provides access to the platform; the benefit itself is funded when employees make eligible purchases within the approved spending categories you define.

For organizations that pair LPA Exchange with PTO Exchange, employees can fund their Life Planning Account using the value of unused earned PTO — creating a no-new-cost pathway to a premium wellness benefit.

Savings Exchange can be offered to your employees at no direct cost to the organization. The platform integrates with your existing payroll infrastructure, automates enrollment, and handles all compliance — including Secure 2.0 alignment — without adding a new vendor cost to your benefits stack.

Employer matching contributions and financial incentives are entirely optional and fully customizable — giving you the ability to amplify participation and reward saving behavior when and if your budget allows, without any requirement to do so.

The employer never writes a check for the benefit itself.

The platform is funded through an IRS-required employee service charge — not a fee we created, but a compliance requirement we built our entire model around.

You're protected by the strongest compliance architecture in the category.

IRS-validated through private letter rulings. SOC II Type 2 certified. Legally defensible in all 50 states. US Patent US10108933 B1. You will never be surprised by a compliance issue.

Your liability goes down. Your retention goes up. Your cost stays at zero.

500+ organizations have added PTO Exchange to their Total Rewards package without adding a line to their benefits budget. The benefit works because it's aligned with everyone's interests — yours, your employees', and ours.

Ready to Add a Benefit That Costs Your Organization Nothing?

Talk to our team about how PTO Exchange fits your organization's size, payroll infrastructure, and Total Rewards strategy. Most implementations are complete in weeks — and paying for themselves from day one.

Explore the Live Demo Now

Frequently Asked Question

Does PTO Exchange cost the employer anything?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

What is the employee service charge?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

Are there PEPM or monthly hosting fees for PTO Exchange?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

How does LPA Exchange pricing work?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

What does Savings Exchange cost to offer?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

Is there a cost for employees who never make an exchange?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

What is included in the implementation fee?

Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

Transaction-Based Pricing | No Cost to the Employer

If No Employee Makes an Exchange, You Pay Nothing. Ever.

Per Employee Per Month (PEPM) | No Cost to the Employer Beyond the PEPM Rate

Simple, Predictable Pricing — and You Only Pay for What Employees Use.

Flexible Pricing | No Cost to Employer to Offer

Give Employees a Financial Safety Net — Without Adding to Your Benefits Budget.

See What Your PTO Liability Is Actually Costing You — Before You Decide Anything.

Calculate your organization's PTO liability exposure in minutes — and see exactly how PTO Exchange reduces it, at no cost to your business.

Ready to Add a Benefit That Costs Your Organization Nothing?

Talk to our team about how PTO Exchange fits your organization's size, payroll infrastructure, and Total Rewards strategy. Most implementations are complete in weeks — and paying for themselves from day one.

Frequently Asked Question

Transaction-Based Pricing | No Cost to the Employer

If No Employee Makes an Exchange, You Pay Nothing. Ever.

1

Employee converts PTO

2

IRS-required forfeiture

3

Service Delivery

Per Employee Per Month (PEPM) | No Cost to the Employer Beyond the PEPM Rate

Simple, Predictable Pricing — and You Only Pay for What Employees Use.

Flexible Pricing | No Cost to Employer to Offer

Give Employees a Financial Safety Net — Without Adding to Your Benefits Budget.

See What Your PTO Liability Is Actually Costing You — Before You Decide Anything.

Calculate your organization's PTO liability exposure in minutes — and see exactly how PTO Exchange reduces it, at no cost to your business.

Ready to Add a Benefit That Costs Your Organization Nothing?

Talk to our team about how PTO Exchange fits your organization's size, payroll infrastructure, and Total Rewards strategy. Most implementations are complete in weeks — and paying for themselves from day one.

Frequently Asked Question