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The New Standard for Healthy
Benefit Payments

Fincretive powers Medicare/Medicaid over-the-counter and healthy benefit card (OTC/HBC) transactions, enabling thousands of independent grocers and local retailers to capture new revenue and retain valuable customers.

New and Notable

Fincretive NGA Update October 2025

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Fincretive and North Country Partnership = Effortless OTC/HBC Integration

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Fincretive selected as NGA’s Healthy Benefits Partner

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NGA Microsite Provides HBC Info for Businesses

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New Resource for Consumers to learn about Healthy Benefits and Food Safety

Visit Website

RORC® Goes Live with Fincretive

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Fincretive Makes Cashier Training Easy

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AM/PM Joins as Fincretive Reseller

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Collaboration with Datacap

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Collaboration with MiCamp

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Fincretive NGA Update October 2025

Read the Full Story

Fincretive and North Country Partnership = Effortless OTC/HBC Integration

Read the Full Story
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Core Features

Universal Gateway

Mobile
PC
Cpu
API
Mobile
PC
Cpu

Universal Processor Gateway

We are streamlining the market by consolidating multiple integrations into a single API call, increasing processor acceptance, reducing non-integrated stand-beside terminals, and improving coverage to all relevant Medicare Advantage and Medicaid programs.

APL Filter

Mobile
PC
Cpu
Mobile
PC
Cpu

APL Filter Service

Fincretive’s Universal Processor Gateway features an industry leading Approved Product List (APL) Filter Service that adjudicates transactions in real-time, reduces product declines, increases sales, and streamlines product data for benefit programs.

Data Quality

Mobile
PC
Cpu
Mobile
PC
Cpu

Improved Data Quality

Fincretive's products and services help independent grocers, ethnic grocers, and convenience stores by providing new insights and analytics to improve retail operations, increase revenue and margin, and can deliver granular and auditable data for providers like the U.S. Government, state governments, and healthcare-related programs.

Retail Technology Benefitting Independent & Ethnic Grocers and Convenience Stores

Fincretive is dedicated to empowering independent grocers by improving access to new revenue opportunities, while simultaneously improving the health of businesses and the consumers who shop at their stores.

Our Strategic Partners

NGA and Fincretive Team Up to Help Independent Grocers

To further provide grocers with basic information and help them understand the steps needed to begin accepting healthy benefit cards, NGA and Fincretive launched a new website

Visit NGA Website
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POS Integration Progress

We currently support the following POS systems, with more on the way. Don’t see your POS system on the list? Reach out to us to get added

Integration 1
Integrated
Integration 2
Integrated
Integration 3
Integrated
Integration 4
Integrated
Integration 5
In Pilot
Integration 6
Coming Soon

Should yours be next?

Quick Boarding To All Programs

Low Friction Revenue

Increase/retain Customer Base

Shelf Tag API

Cashier Training and Support

Merchant/Retailer

Fincretive is currently working with POS Developers/Resellers and Wholesalers to make sure as many independent grocers are OTC/HBC enabled as possible.

Please reach out to the partners that support your technology to see if they are ready to help you get set up!

Interested in connecting further?

Training

Information

Distributable Information

Zip-based financial analysis of your OTC/HBC opportunity

Private label inclusion to the OTC/HBC Approved

Wholesaler

Fincretive works with some of the best wholesalers around and would love to work with you. We work with wholesalers to provide OTC/HBC specific national brand and private label product solutions.

Interested in connecting further?

F.A.Q
Fincretive’s Universal Processor Gateway enables POS application integration to all third-party OTC/HBC program processors through a single unified connection. Our solution simplifies integration and minimizes friction, significantly enhancing revenue streams for the independent grocer.
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