Haploos Virtual Card


The City of Airway Heights

Spokane Housing Authority

The Spokane County Government

The City of Airway Heights

Spokane Housing Authority


The Spokane County Government

Two key differences


Haploos creates custom API’s that allow our clients to access payment portals and use them to deliver payments. Banks do not have this technology.

ERP, document management concept.Businessman working with laptop computer with icons on virtual screen and office blur background.
Confident young African businesswoman


Haploos only makes money when you make money. Banks make money no matter what. If you send an ACH, the bank gets paid. If you send a paper check, the bank gets paid. If you do anything, the bank gets paid. 

At Haploos, we only get paid if your virtual card program is working, and working well. 

First in History

On 27 May 2022, the Department of Housing and Urban Development (HUD), the Government Accountability Office (GAO) and the Department of the Treasury came to an agreement that Haploos Virtual Card rebates will be considered “new revenue” and any rebate captured as a result of using Haploos Virtual Card to deliver payments will be categorized as UNRESTRICTED funds. 


Haploos’ Virtual Card rebates are “new revenue” for PHAs and therefor, funds captured by PHAs while making HAP payments using Haploos’ VC are categorized as UNRESTRICTED funds.

PHAs may use the unrestricted funds in furtherance of their mission. 


Haploos Virtual card is a new service to the government. No specific regulations or restrictions exists. PHAs and HUD are free to use Haploos Virtual Card and keep any rebates as unrestricted funds. 


Haploos Virtual Card is in compliance with Treasury regulations and is appropriate for use by PHAs making HAP payments.

Our Project Approach

We provide Payments as a Service, not a Product

Haploos Virtual Card Point of Contact

A major reason why Haploos is so significantly better than banks is because we have a dedicated team that stays with you from start through sustainment. You get to know your team, and they get to know you. Your Haploos team’s compensation rewards only when your program is successful. 

Fighting Fraud

Easier to Prosecute

Active steps are taken to defraud the government, making it easier to prosecute when found.

What qualifies?

Fake vendors and false invoices are examples of active fraud.

Hard to Find

Active Fraud is difficult to find, but it is everywhere. Haploos VirtualCard is designed to hunt and kill active fraud.

Fixing Active Fraud

The Haploos Advantage

Haploos is the payment. Everyone else is on the outside looking in, we are the inside.