Guide your employees and members to the products and services you want them to purchase

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    Smart: Define what products and services can be purchased, where, when, and the amount; track transactions and user data

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    Digital: Deliver digitally in real-time; meet people where they are: on their phones

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    Purchase Cards: Guide purchases to approved products and services at retailers nationwide

IQPay Guided Spend™ Technology Platform

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IQPay is the Guided Spend™ Technology Platform for issuing and tracking highly personalized Smart Digital Purchase Cards™ that can be restricted to a retailer, a category of products (i.e. fresh produce, groceries, emergency response supplies) or even a specific sku (i.e. Tostitos™ Tortilla Chips, ReliOn™ Glucose Test Strips, Similac™ Infant Formula).

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Smart Digital Purchase Cards can be issued dynamically via text or email to one person or millions simultaneously and are redeemed by scanning at the POS at over 40,000 retailers nationwide.

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Using our platform, our stakeholders (businesses, retailers, CPG, brands, pharmacy, NGOs, and others) issue cards, track utilization data (who transacted what, when and where) and drive their business goals.

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Meet the new Smart Digital Purchase Card

Smart Digital Purchase Cards meet people where they are: on their phones. Digital is instant. It’s efficient. It’s convenient. It can be filtered to specific products and services. Digital engages. Digital matches individuals with their transactions and behaviors.

IQPay is leading the way with Smart Digital Purchases unlike anything you’ve seen:

  • Integrated at over 30,000 retailer locations nationwide
  • Highly personalized
  • White-labeled to reinforce client’s brand
  • Sent via text or email
  • Intuitive, convenient, user-friendly UX
  • Guide purchases to specific products and services designated by the plan sponsor
  • Drives transactions within a specified timeframe
  • Ability to automate multi-step programs
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Scroll up and down to view payment card details.

Ways of Issuing Smart Digital Purchase Cards

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Customize the design and messaging

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Send immediately to a phone

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Don’t have recipient’s email or phone? Send a letter enrollment link and capture their data.

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QR Code

Embed a QR code in communications, ads, and promotions

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i.e. fill an Rx, instantly receive card for related consumer package goods

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Promotional events drive purchases, and unlike coupons they’re 100% trackable

Accepted at over 30,000 retailers nationwide

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Give it a try!

Scan the QR code with your phone, and let us send you a Smart Digital Purchase card. This example sends you a payment card for $5 toward a flu shot at CVS Pharmacy (for demonstration only, no actual dollar value is included).

Smart Digital Purchasing for Your Business

IQPay empowers businesses to issue turnkey, highly customizable digital purchase cards that engage populations into taking the actions envisioned by the sponsor.

  • Compliance Programs
  • Rewards & Incentives
  • Healthcare
  • Brand Campaigns
  • Food Security
  • Healthy Eating
  • Emergency Response
  • Consumer Direct Response
  • Charitable Giving
  • Workplace
  • P-Card Replacement
  • Transportation
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Guided Spend Solutions

Our 4,000+ clients range from Fortune 500 to SMBs. Our platform can be white labeled so your clients and consumers experience your brand when meeting their business goals with Smart Digital Purchases.

Delivering on the future of Smart Digital Purchases

Reach your consumer directly with your own custom Smart Guided Spend Technology Platform without the burden of integrating with third-party wallets.

  • Directed spend control
  • Digital delivery via text or email
  • Drive engagement and compliance
  • Monitor utilization
  • Data and analytics
  • Cultivate loyalty and relationships
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Companies on the platform


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Learn how Guided Spend Technology can help you meet your business goals