The New Standard for Healthy Benefit Payments

Fincretive powers Medicare/Medicaid OTC and Healthy Benefit Card transactions, enabling thousands of independent grocers and local retailers to capture new revenue and retain valuable customers.

New and Notable

AM/PM Joins as Fincretive Reseller

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

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RORC® Goes Live with Fincretive

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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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North Country and Fincretive Partner to Streamline HBC/OTC Card Acceptance for Independent Grocers Nationwide

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Fincretive Makes Cashier Training Easy

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Collaboration with Datacap

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Collaboration with MiCamp

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Core Features

Universal Gateway

API

Universal Processor Gateway

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

APL Filter

APL Filter Service

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

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.

API

Universal Processor Gateway

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

POS Integration Progress

We currently have the following POS System Integrations supported

Integrated

Integrated

In Pilot

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.

We provide all of these to increase awareness and utilization of the amazing opportunities your merchants have with Healthy Benefits program!

Interested in connecting further?

F.A.Q

The Fincretive HBC Agent and Gateway products enable point of sale (POS) application integration to all third party Over-the-Counter and Healthy Benefit Card (OTC/HBC) program processors through a single unified connection. This simplifies integration and reduces the need for additional terminals, thereby minimizing friction and significantly enhancing revenue streams for independent and ethnic grocers.

Need Help?

We're always happy to assist you with any questions.