Zayaz is the smart HSA‑aware card that uses your HSA balance first, then covers the rest with credit—and auto‑repays when new HSA funds arrive.
Debit • HSA
Use HSA first for eligible spend.
Credit Fallback
Cover shortfalls instantly.
Auto‑Sweep
Repay when deposits land.
Logs & Compliance
Exportable, audit‑friendly records.
A card that understands healthcare—without sacrificing speed, flexibility, or control.
Use HSA first, cover the rest with credit—no declines, no drama.
New HSA contributions auto‑repay the health portion of your credit balance.
Eligible health purchases are tagged and logged for effortless reporting.
Toggle Debit‑Only, Credit‑Only, or Smart Split in the app.
HSA First
Eligible purchases use tax‑advantaged funds automatically.
Credit Fallback
Instant coverage for shortfalls, on the same card.
App Controls
Set limits, modes, and alerts in real time.
Audit‑Ready
Exportable logs for substantiation and year‑end reports.
Zayaz plays nicely with modern issuer processors, BaaS platforms, HSA custodians, and risk providers.
Processor
BaaS
HSA
Risk / IDV
Start with the essentials. Upgrade when you want more.
Is Zayaz a debit card, credit card, or both?
Both. Zayaz routes eligible health spend from your HSA first, then uses a credit line when needed—all on one card number.
How does the HSA sweep work?
We monitor contributions (payroll/ACH). When funds land, Zayaz automatically applies them to previously tagged health transactions that used credit.
Is this IRS compliant?
Yes—eligible purchases are MCC‑validated, tagged, and logged. We provide exportable records for substantiation.
Who is Zayaz for?
Consumers with HSAs, freelancers and creators, employer plans, and partners like TPAs and HSA custodians.
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