InComm Payments
InComm Payments is a private global payments technology company providing prepaid cards, gift card programs, healthcare supplemental benefits, and HSA/FSA administration through 525,000+ distribution points to retailers, brands, health plans, employers, and financial institutions across 40+ countries.
- Company typePrivate
- Founded1992
- HeadquartersAtlanta, United States
- Headcount—
- GTM typeB2B
- OfferingSoftware
What InComm Payments does
InComm Payments is a privately held global payments technology company that provides prepaid card, payment processing, and digital rewards solutions to retailers, brands, health plans, employers, financial institutions, and consumers. Founded in 1992 and headquartered in Atlanta, Georgia, the company operates across 40+ countries with 2,400+ employees. Its core platform spans gift card program management through the InComm InCentives division and TheGiftCardShop.com digital mall, healthcare supplemental benefits via InComm Healthcare (OTC Network, Dual Network Benefit Card), employee benefits administration through InComm Benefits (HSA, FSA, HRA, COBRA, commuter benefits), and payments infrastructure including reloadable debit cards, cash load technology, and POS enhancement integrations. The company reports 525,000+ points of retail and online distribution, 1B+ cards managed annually, $65B+ in annual transaction volume, and 412+ global patents covering POS activation, fraud prevention, and payment processing innovations.
The business model is multi-stream and transaction-based. Primary revenue comes from transaction fees and take rates on gift card sales, prepaid card loads, and payment processing. Secondary streams include managed services for healthcare supplemental benefits, subscription/recurring HSA/FSA administration, and interchange economics on reloadable debit cards. Go-to-market combines enterprise field sales with dedicated account management, channel partnerships across 1,000+ brands and major retailers (Walmart, Walgreens, 7-Eleven, Kroger), direct-to-consumer bulk ordering via InComm InCentives, and event-driven engagement at industry conferences like NACS Show. Subsidiary structure includes InComm InCentives, InComm Healthcare, InComm Benefits, TheGiftCardShop.com, Serve prepaid products, OTC Network, and Go Studio innovation hub, with international subsidiaries supporting operations in Brazil, Mexico, Canada, the UK, Austria, Japan, South Korea, Hong Kong, Australia, and other markets. The company is organized as HI Technology Corp (d/b/a InComm Payments) and has grown primarily organically with selective acquisitions, notably Todo Cartões in Brazil in 2020.
InComm Payments firmographics
Firmographics- Name
- InComm Payments
- Legal name
- HI Technology Corp (d/b/a InComm Payments)
- Website
- https://incommpayments.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Short description
- InComm Payments is a private global payments technology company providing prepaid cards, gift card programs, healthcare supplemental benefits, and HSA/FSA administration through 525,000+ distribution points to retailers, brands, health plans, employers, and financial institutions across 40+ countries.
- Ownership category
- akta.pro rank
InComm Payments industry classification
Industry- Product category
- Payment Processing and Prepaid Card Technology
- NAICS
- Sales Financing (52222)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Government Benefit & EBT / Social Program Cards (FSAMANAF)
- akta.pro secondary industries
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where InComm Payments is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
InComm Payments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Gift Card Program Management: End-to-end gift card program services including program design, product portfolio, in-store support, e-commerce platforms, and distribution through retail networks.
- Bulk Gift Card Sales: Bulk ordering of physical and digital gift cards from over 350+ retail brands for businesses to use as incentives and rewards.
- Healthcare Supplemental Benefits: Technology and card services for Medicare Advantage and Medicaid health plans to deliver supplemental benefits to members through benefit cards.
- HSA/FSA Administration: Health Savings Account and Flexible Spending Account administration services for employers, with automated expense tracking and cash back rewards.
- Reloadable Debit Card Services: Reloadable debit card account solutions and cash load technology enabling financial management services.
- Payment Processing and POS Enhancement: Single integration POS solutions connecting retailers to payment technology suite, reducing IT burden for processing transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Promotional bulk gift card order incentive for businesses spending $25,000+ |
| Transaction based/ take rate | Monthly | InComm Benefits Cash Back HSA Card |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels6 records
InComm Payments product offering
Product offeringCore offering
InComm Payments is a global payments technology company that designs, distributes, and manages prepaid and gift card products, healthcare and employee benefit programs, and payment processing solutions. Its offerings span five divisions: Gift Cards (retail and digital programs via TheGiftCardShop.com), InComm InCentives (bulk gift card and enterprise incentive ordering), InComm Healthcare (Medicare Advantage and Medicaid supplemental benefit cards), InComm Benefits (HSA, FSA, HRA, COBRA, and commuter benefits administration), and Payments (POS enhancements, reloadable debit cards, cash load technology). All products are sold through a 525,000+ point retail and online distribution network and supported by a single API integration.
Product overview
InComm Payments is a global payments technology company offering a platform-plus-modules architecture. The core offerings include Gift Cards (with TheGiftCardShop.com e-commerce platform), the InComm InCentives division for bulk ordering and enterprise incentives, and InComm Healthcare for supplemental health benefits. The InComm Benefits division provides HSA, FSA, HRA, COBRA, and commuter benefits administration. Payment solutions include Financial Services (reloadable debit cards), Cash Solutions (cash load and cardless withdrawal), and POS Enhancements. The Serve Prepaid Products suite offers Visa and American Express prepaid cards. All divisions are supported by the Go Studio innovation hub and InComm Insights research platform, with products integrated via a single API connection.
Differentiator
Problem solved
Functional benefit
Brands
- InComm InCentives: Gift card rewards and payment disbursements division for loyalty and employee rewards programs
- InComm Healthcare
- InComm Benefits
- TheGiftCardShop.com
- Go Studio
- OTC Network
- Serve
Products and services
- Gift Cards Strategic gift card programs, products and services including buy, sell, and program management solutions for brands and merchants across in-store, mobile, and e-commerce channels.
- TheGiftCardShop.com Full-service digital gift card mall offering over 100 brand options for instant digital delivery via email, with physical card mail delivery option.
- InComm InCentives Bulk gift card ordering, enterprise incentive solutions, customer engagement, payment disbursements, and employee rewards programs offered as a business division.
- InComm Healthcare Health plan supplemental benefits and rewards programs for Medicare Advantage and Medicaid health plans, including OTC Network, wellness incentives, and Dual Network Benefit Card.
- InComm Benefits Employee benefits solutions including Health Savings Account (HSA), Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA), COBRA, and commuter benefits administration.
- Cash Back HSA Card Industry-first HSA debit card offering 2% cash back on both HSA- and non-HSA-eligible purchases, with maximum cash back accrual of $200 per calendar year. Issued through InComm Benefits for employers and account holders.
- Financial Services (Reloadable Debit Card Solutions) Reloadable debit card account solutions and cash load technology enabling businesses to transform into financial management hubs for customers.
- Cash Solutions (Cash Load and Cardless Withdrawal) Cash load technology and cardless cash withdrawal solutions enabling consumers to manage budgets and participate in digital payment ecosystems.
- POS Enhancements Point-of-sale payment technology solutions that reduce IT burden and enhance customer transactions through a single integration to InComm's payment technology suite.
- Serve Prepaid Products Suite of prepaid card products including Serve Pay As You Go Visa Prepaid Card, Serve American Express Free Reloads, Serve American Express Cash Back, and Serve American Express Direct Deposit.
- PenFed Mobile Cash Deposit Mobile cash deposit service enabling financial institution members to make cash deposits at participating retail stores by generating a one-time barcode to scan at retail cash registers.
- Gift Card API and Integrations Platform Programmatic API that enables integration with TheGiftCardShop.com platform and bulk ordering capabilities, supporting brand and merchant gift card programs, e-commerce websites, and enterprise incentive solutions.
- Roblox Gift Cards Hong Kong Roblox gift cards launched in Hong Kong market at online and physical retailers including 7-Eleven, Circle K, HKTVmall, Alipay+, Suning and Game Source Entertainment.
- Cashless Payment Solution for Sports Venues Cashless payment solution enabling sports and entertainment venues to allow fans to exchange cash for network-branded gift cards at guest services.
- SKUx Digital Payment Solutions Digital payment solutions for humanitarian aid and emerging markets using blockchain platform with real-time item-level controls, combining InComm's retail network with SKUx's blockchain technology.
- Uber Health Food Delivery Benefit Program Food delivery benefit program enabling health plan members to use plan-sponsored supplemental benefit funds to order groceries and healthy meals via the Uber Eats app, powered by the Dual Network Benefit Card.
- Zip US Flexible Payments for Gift Cards Flexible payment option enabling consumers to use the Zip app to purchase gift cards and split purchases into installments over time.
Quantifiable outcome
- 97% of HSA users would be more likely to use their HSA if expenses were automatically recognized at checkout
- +3 more outcomes
Companies that use InComm Payments
Customer profileNamed customers16 records
Segments6 records
Ideal customer profiles5 records
InComm Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature7 records
InComm Payments partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- SKUxcoreStrategic partnership combining InComm's retail network with SKUx's blockchain platform to provide digital payment solutions for humanitarian aid and emerging markets. Delivers real-time, item-level controls and blockchain-backed transparency for financial aid distribution and consumer promotions. Both companies are members of the non-profit Payments As A Lifeline.
- NCR AtleoscoreCardless cash withdrawal collaboration enabling cash withdrawal at 23,000 ATMs without using a physical card.
- Consumer Research PartnersminorPartnership for conducting annual holiday study surveying 2,517 U.S. consumers on gift-giving plans and economic concerns.
- PenFed Credit UnioncoreMobile cash deposit service at participating retail stores including Dollar General, Walgreens, Kroger, and 7-Eleven locations across all 50 states, Puerto Rico, and U.S. Virgin Islands. PenFed members can generate one-time barcode to scan at retail cash registers.
- Uber HealthcoreFood delivery benefit program enabling health plan members to use plan-sponsored supplemental benefit funds to order groceries and healthy meals via the Uber Eats app. Expands on existing transportation benefit offering and utilizes InComm Healthcare's Dual Network Benefit Card.
- Delta, Google, Netflix, Walmart, Walgreens, Xbox, and 1,000+ other brandscoreGift card distribution partnerships with major global brands for retail and digital gift card programs across InComm's distribution network.
- Jacksonville JaguarsminorCashless payment solution deployment at TIAA Bank Field enabling fans to exchange cash for open-loop gift cards at the venue's guest services office.
- ONrouteminorPrepaid gift card distribution partnership at 23 travel plazas along Ontario's 400 series highways in Canada, offering gaming, restaurant, apparel and entertainment gift cards.
Scale indicators14 records
Recent moves7 records
Expansion highlights7 records
InComm Payments competitors and assessment
Company assessmentBroad incumbents
- Fiserv: Major payments and financial services incumbent providing merchant acquiring, prepaid card issuing (via First Data), and Clover POS. Overlaps with InComm's payment processing and POS enhancement capabilities at the enterprise tier.
- PayPal: Global digital payments incumbent offering digital gift cards, Pay Later products, and embedded payments across consumer and merchant use cases. Competes with InComm on digital gift card distribution and increasingly on embedded financial services.
- Global Payments: Large-scale payments technology incumbent offering merchant services, issuer solutions, and integrated POS across global markets. Comparable to InComm on payment processing infrastructure and enterprise retail relationships.
Direct peers
- Blackhawk Network: The closest direct competitor, Blackhawk Network operates the largest third-party gift card and prepaid distribution network in North America through retailers like Walmart, Target, and CVS. Directly comparable on prepaid/gift card processing, incentive solutions, and branded payment products.
- Green Dot Corporation: Leading issuer of prepaid debit cards and banking services to underbanked consumers in the US. Overlaps directly with InComm's reloadable debit card products, Serve prepaid suite, and cash load technology.
Peers
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
InComm Payments social profiles
Digital presenceInComm Payments compliance and trust
Trust signalCompliance2 records
InComm Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
InComm Payments leadership team
Management profileNumber of profiles
Profiles9 records
InComm Payments subsidiaries and ownership
Company hierarchySubsidiaries6 records
InComm Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InComm Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about InComm Payments
What does InComm Payments do?
InComm Payments is a global payments technology company that designs, distributes, and manages prepaid and gift card products, healthcare and employee benefit programs, and payment processing solutions. Its offerings span five divisions: Gift Cards (retail and digital programs via TheGiftCardShop.com), InComm InCentives (bulk gift card and enterprise incentive ordering), InComm Healthcare (Medicare Advantage and Medicaid supplemental benefit cards), InComm Benefits (HSA, FSA, HRA, COBRA, and commuter benefits administration), and Payments (POS enhancements, reloadable debit cards, cash load technology). All products are sold through a 525,000+ point retail and online distribution network and supported by a single API integration.
Is InComm Payments a public or private company?
InComm Payments is a private company. It is classified as unknown and is currently operating.
When was InComm Payments founded?
InComm Payments was founded in 1992.
Where is InComm Payments based?
InComm Payments is headquartered in Atlanta, United States, in the North America region.
How does InComm Payments make money?
Six revenue lines are on record. Gift Card Program Management is the primary driver. The others are bulk Gift Card Sales, healthcare Supplemental Benefits, HSA/FSA Administration, reloadable Debit Card Services and payment Processing and POS Enhancement.
Who are InComm Payments's main competitors?
Broad incumbents on record are Fiserv, PayPal and Global Payments. Direct peers are Blackhawk Network and Green Dot Corporation. PaySign (formerly NetSpend) is listed as a peer.
Does InComm Payments have an API?
Yes. InComm Payments offers a Gift Card API that enables programmatic access to gift card services, including TheGiftCardShop.com platform and bulk ordering capabilities. The API supports integration with brand and merchant gift card programs, e-commerce websites, and enterprise incentive solutions. Developer documentation is at www.incomm.com/incentives/gift-card-api-integrations.
What industry is InComm Payments in?
InComm Payments's product category is Payment Processing and Prepaid Card Technology. Its primary akta.pro industry code is FSAMANAF, Government Benefit & EBT / Social Program Cards, with a secondary code of FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 52222 and its SIC code is 7370.