InComm Payments operates across 35 countries and five continents, with a product range that spans gift cards, prepaid and reloadable accounts, incentive and disbursement programs, and healthcare benefit administration for Medicare Advantage and Medicaid plans. finperks lists InComm among the suppliers it can route through, and is built for a narrower set of regulated, embedded use cases centered on Europe.
What InComm offers, in their own words
- Gift card programs, products, and services for retailers and brands, alongside prepaid and reloadable debit account infrastructure
- Incentive and disbursement programs, and healthcare benefit offerings including HSA, FSA, HRA, COBRA, and commuter benefits
- Alder API for gift card integrations, described as a single integration connecting point of sale systems to InComm’s payment technology suite
- A reported network of more than 525,000 retail distribution points, more than 1 billion cards managed annually, more than 65 billion dollars in annual transaction volume, and more than 1,000 global brand partners including Delta, Google, Netflix, Walmart, and Xbox
- Operations across 35 countries and five continents, with more than 2,400 employees and more than 400 global patents
Where finperks is built differently
- finperks already lists InComm as one of its supply partners, so a bank, fintech, or HR platform gets one API and one contract across InComm’s catalog and others, instead of integrating InComm’s own Alder API directly
- Purpose built for European use cases: bank and fintech cashback, HR and payroll tax free employee benefits, and retailer and brand distribution
- Dynamic routing across suppliers for margin and catalog breadth, plus automatic failover
- Go live typically under 30 days with sandbox access, a lighter lift than the broader enterprise integration a global processor the size of InComm usually involves
