Our Origin Story

Three industry veterans, along with technology and IP from their previous ventures, have joined forces to bring Fincretive to life. Fincretive is ideally positioned to expand the acceptance of Medicare Advantage Healthy Benefit Card (HBC) programs among independent and ethnic grocers in America.

Focused on improving the health of Americans and increasing access and awareness to independent & ethnic grocers and convenience store, and their customers, Fincretive sees an opportunity to make a positive impact in local communities, small businesses, and nationwide healthy benefit program sponsors and participants.

Fincretive product and services solutions are designed to increase merchant sales, drive customer loyalty, enhance community support, promote preventative health initiatives, and reduce fraud risk.

Who It's For

Point-of-Sale (POS) Platform Developers

POS Integrators & Resellers

Health Plan Providers

Payment Processors

Grocery Wholesalers

Grocery Merchants

Fincretive is for you and your organization!
Please reach out to learn more.

What It Is

Fincretive was conceived to bring to market a universal Over the Counter (OTC) and Healthy Benefit Card (HBC) payment solution that is universally compatible with all US Point-of-Sale systems and processors. Our processor-certified Fincretive Agent and Gateway products enable retailers, including Independent & Ethnic Grocers and Convenience Stores, to accept all OTC/HBC cards in the market via a single integration with a merchant’s Point of Sale.

What It's For

Fincretive is dedicated to solving the challenges that currently limit HBC acceptance and to serve independent & ethnic grocery and convenience stores; though our services are also applicable for the broader retail community.

Fincretive Executive Team

Our management team has 100+ years of retail tech, payments, and operations experience.

Tom Bartz

Chief Executive Officer

Judd Ferrer

Chief Strategy Officer

Andy Beaudet

Chief Information Officer

William McManus

Chief Operations Officer

Josh McGrew

Director Strategy & Operations

Nicholas Morgan

Chief Legal Officer

Travis Merseth

Chief Technology Officer

Let's Connect

We welcome dialogue with point-of-sale companies, retail technology resellers, POS integrators, and other retail technology firms interested in connecting with our HBC Gateway to generate new monthly recurring revenues and increase access healthy benefit programs.