Comparison

McGriff Benefit Access vs Element Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

McGriff Benefit Access

Manage your HSA, HRA, and FSA health benefit accounts with ease. Quickly check balances, view claims, and submit receipts on the go. Securely access all your important account information anytime, anywhere.

Highlights
  • Check account balances 24/7
  • View account summaries and charts
  • Submit claims and receipts
  • Manage HSA transactions
  • Secure login with website credentials
  • Contact customer service
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

Element Pay

This app simplifies fuel management for corporate fleets by enabling cardless and contactless payments directly from vehicles at the pump. It leverages vehicle authentication technology for a seamless and secure transaction process.

Highlights
  • Cardless fuel payments
  • Contactless transactions
  • Vehicle authentication
  • Fleet fuel spend management
  • Direct pump integration
Features
Read full description

Corporate fleets can easily manage their fuel spend with the cardless and contactless Element Pay app. Attention fleet managers and drivers: In order to use Element Pay, your corporate fleet must be registered with Element. You will receive an invite directly from Element to access and use Element Pay at the pump. Element Pay is the easier and smarter fleet fuel payment solution. Powered by Know your Machine® software technology, which authenticates the vehicle, not the driver, Element Pay enables vehicles to connect directly to the fuel pump. No cards or driver prompts required! Element Pay – Know Your Machine® Car IQ is a financial technology company and not a bank. Credit Card Services are provided and issued by Maps Credit Union, insured NCUA. [:mav: 2.34.0]

Screenshots

McGriff Benefit Access4 screens
Element Pay4 screens

Verdict

The call

The clearest difference is update cadence: Element Pay at every 3 weeks against McGriff Benefit Access's every 5 months. Element Pay also leads on review sentiment (100% vs 72%) and rating (4.8 vs 4.5). McGriff Benefit Access's advantage is ratings volume (823 vs 21). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Element Pay holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: McGriff Benefit Access has 823 ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 72% of McGriff Benefit Access's written reviews are positive against 100% of Element Pay's.

UpkeepUpdate frequency

McGriff Benefit Access ships an update every 5 months, Element Pay every 3 weeks. The most recent releases landed on October 15, 2026 and October 1, 2026 respectively.

Scorecard4 real differences · 6 level
McGriff Benefit Access versus Element Pay: the parameters behind the verdict, then further details
ParameterMcGriff Benefit AccessElement Pay
PriceFreeFree
Rating4.5 (823 ratings)4.8 (21 ratings) — better
Positive reviews71.5% of reviews100.0% of reviews — better
Number of ratings823 — better21
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better16.2
Further details — not scored
Size26 MB151 MB
Age rating17+4+
DeveloperMarsh & McLennan AgencyCar IQ Inc.

Customer experience

McGriff Benefit Access

All ratings767 ratings
Positive87.1%
Neutral2.1%
Negative10.8%
Written reviews165 reviews
Positive71.5%
Neutral6.1%
Negative22.4%

Element Pay

All ratings21 ratings
Positive95.2%
Neutral0.0%
Negative4.8%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

McGriff Benefit Access

Reported bugs

3 issues
  • Login failures and account lockouts
  • Incorrect account balance display
  • Compatibility issues with older devices

Requested features

3 requests
  • Auto-populate end date based on start date
  • Allow editing of submitted claims
  • Improve mobile app functionality and parity with website

Element Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

McGriff Benefit Access

No in-app purchases

None

Element Pay

No in-app purchases

Questions

Is McGriff Benefit Access free?
McGriff Benefit Access is free to download, with no in-app purchases.
Is Element Pay free?
Element Pay is free to download, with no in-app purchases.
Which has better reviews, McGriff Benefit Access or Element Pay?
Element Pay is rated higher. McGriff Benefit Access averages 4.5 out of 5 from 823 ratings, while Element Pay averages 4.8 from 21 ratings.
Do McGriff Benefit Access or Element Pay have ads?
Neither McGriff Benefit Access nor Element Pay shows ads.
Which is updated more often, McGriff Benefit Access or Element Pay?
McGriff Benefit Access ships an update every 5 months, and Element Pay every 3 weeks. Most recently, McGriff Benefit Access was updated on October 15, 2026 and Element Pay on October 1, 2026.

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