TempoPay vs Keel

TempoPay is a healthcare payment benefit offered through employers and health plans. It gives you access to funds to pay for out-of-pocket healthcare expenses up front, then repay over time with 0% interest, no fees, and no credit checks. Using TempoPay never affects your credit score. The TempoPay app is available to employees and health plan members at organizations that offer TempoPay as a benefit. If your employer offers TempoPay, download the app to activate your account and start using your card. WHAT IS TEMPOPAY? TempoPay works like a revolving account, similar to a credit card, but always interest-free with no fees. When you enroll, you get immediate access to a set spending amount for healthcare expenses. Charges are broken into a repayment schedule you control. WHERE CAN I USE TEMPOPAY? Use the TempoPay Visa card for: • Doctor visits, specialists, and urgent care • Prescriptions and pharmacy purchases • Dental care and orthodontics • Vision care, eyeglasses, and contact lenses • Lab work, imaging, and diagnostics • Therapy and mental health care • Chiropractic and physical therapy • Medical supplies and equipment • Medical bills paid online or by phone Some employer programs use different spending categories. Check the app or contact support with questions about your card. HOW DO REPAYMENTS WORK WITH TEMPOPAY? After a charge settles, a repayment plan is created based on your preferences. You choose your repayment timing, up to 12 months, aligned to your payroll cycle. Repay through automatic post-tax payroll deductions or connect a personal bank account. You can see every charge, plan, and payment in the app. DOES TEMPOPAY AFFECT MY CREDIT? No. TempoPay never checks your credit and never reports to credit bureaus. There is no interest, no late fees, and no cost to employees for using TempoPay. CAN I USE TEMPOPAY WITH AN HSA OR FSA? Yes. TempoPay works alongside Health Savings Accounts and Flexible Spending Accounts. Pay with TempoPay now and reimburse yourself from your FSA once it is funded, or keep HSA contributions invested while spreading expenses over time. WHAT CAN I DO IN THE TEMPOPAY APP? • Activate and manage your TempoPay Visa card • Check your available balance and spending limit • View charges and repayment schedules • Adjust repayment timing • Connect a bank account for repayments • Contact TempoPay support WHO CAN USE TEMPOPAY? TempoPay is available through participating employers, health plans, and benefits programs. It is not available for individual signup. Ask your HR or benefits team whether TempoPay is part of your benefits package. ABOUT TEMPOPAY TempoPay collaborates with health plans, employers, and other industry partners to provide a smarter, more affordable way to manage rising healthcare costs through access to interest-free funds and flexible repayment options. With the TempoPay Visa® card, employees can confidently access care and take control of how and when they pay for it, reducing financial stress and avoiding interest-bearing debt. By making it easier to plan for and manage out-of-pocket expenses, TempoPay helps create the financial stability that supports happier, healthier lives and a more engaged, productive workforce. To learn more, visit https://tempopay.com/

Most trackers stop at "Netflix, 13.99, monthly". Keel tracks the way you actually pay: subscriptions, bills, pay-in-X purchases and yearly ambushes, each from its own bank account. The sofa bought in 3 keeps its remaining balance and its next due date. The insurance that hits once a year is smoothed into your real monthly number. Every payment knows which account it leaves, so you see what goes out from where, before it does. EVERY PAYMENT, ONE CALM PLACE • Subscriptions, bills, memberships and split purchases, side by side • What hits and when, day by day, plus a calendar with brand logos on their due days • Multi-currency, converted honestly at daily rates IT SETS ITSELF UP • Paste a rough list or screenshots into the AI you already use, Keel reads the answer • You review every line before anything is saved • Prefer manual? Common services come pre-filled in a tap, and AI switches off entirely. AI is completely optional, and manual operations are optimized for a smooth on-boarding. PAY IN 3? TRACKED LIKE EVERYTHING ELSE • Progress paid, amount left, every installment on the calendar • Tick payments off right in the list STAY AHEAD • Reminders your way: up to three per commitment, any lead, repeating nudges until the due day • Trials warn before they convert, price increases before they bite • Widgets keep the next payments on your home screen INSIGHTS THAT RECONCILE • What you really paid next to what the year still plans to charge • Yearly costs smoothed into your monthly baseline • Spending by category and by account, and price creep since the day you signed up YOURS. ON YOUR PHONE. • No account, no server, no tracking, no data collection • Face ID lock, local backups, file export any time • Built by a cybersecurity engineer who'd rather there be nothing to breach • Transparent and educational about settings impact ONE PRICE, NOT A SUBSCRIPTION Everything is free for 45 days. No card, nothing renews, nothing to cancel. Then one single purchase unlocks Keel for good, shareable with up to five people through Apple Family Sharing. If you never buy, your data, your charts, marking paid and exports keep working forever. And your whole year sails into a harbor, one ship per billing day, the big bills arriving as container ships. You'll find it. Questions, ideas, corrections: contactkeel@protonmail.com