The corporate benefits revolution

The evolution of the flexible benefits market

 

In Brazil, flexible benefits are perks offered in addition to salary and mandatory rights. However, more options don't always mean more attractiveness.

Many workers receive benefits that they don't fully utilize, while others feel they lack options more aligned with their daily lives. Ideally, employees should be able to choose how to distribute the value of different benefits according to their daily needs.

Furthermore, although the corporate benefits market has undergone several transformations – moving from the distribution of basic food baskets to the use of vouchers and, postpreviously, physical cards – acceptance of benefits by establishments remained limited, which restricts workers' freedom of choice.

Given this scenario, multi-benefit management platforms have begun to gain traction. By enabling greater freedom of choice and wider acceptance, these solutions are modernizing the sector and transforming the experience for both employers and employees.

 

The multi-benefit card and how the new PAT rules impact its use

 

The multi-benefit card combines various benefits offered by companies into a single payment method, allowing employees to use their balance flexibly. With it, they can pay for expenses at restaurants, supermarkets, and pharmacies, bringing more convenience to their daily lives.

With Law No. 14.442/22 , which amended the provisions of the PAT (Worker 's Food Program), new rules were established to ensure that food vouchers are used exclusively for the purchase of food. Previously, there was no such clear division, allowing the balance to be used in other establishments, such as clothing stores.

Now, part of the deposited amount is reserved for food and meals, while the remainder can be used for various benefits. In this sense, Benê has nine categories available, such as culture and health.

 

PAT Adherents

• Food allowance (Food + Meal);
• Food;
• Snack.

 

Flexible

• Culture;
• Education;
• Welfare;
• Health;
• Home Office Assistance;
• Mobility

 

Bene Plus

• Aimed at paying out prizes and refunds, which can be used in any type of establishment.

 

Benê: corporate benefits management that transforms the workplace

 

It is in this changing landscape that Benê stands out, offering a new approach to corporate benefits management.

Founded in 2021 in São Paulo, Benê is a benefits management company that, recognizing the limitations of the traditional model, developed an innovative platform that guarantees more flexibility for employees without increasing complexity or costs for companies.

The solution reinforces the sense of belonging for employees and provides HR with a real , personalized value-delivery tool that allows them to monitor the team in relation to different profiles and life stages.

With this initiative, Benê is transforming the way companies and employees perceive benefits, and HR departments are gaining autonomy, clarity, and time. Employees gain freedom of choice and recognition.

 

Main challenges in corporate benefits management

 

Benê has identified the main challenges faced by companies in managing multiple benefits, such as bureaucratic processes, multiple suppliers, and lack of integration. These problems increase the time spent on administration and hinder the control of benefits.

From a strategic standpoint, having an efficient platform allows for a unified view of the benefits, facilitating decision-making. Furthermore, customization is fundamental to meeting the specific needs of employees, ensuring greater engagement and satisfaction.

In this sense, a flexible benefits package that adapts to individual needs, promoting belonging and engagement, ensures that each professional feels valued and motivated.

In the view of the benefits manager, the key to overcoming these difficulties would be in simplification of processes. With one uncomplicated and centralized solution, it is possible to optimize management, reduce costs and offer a more fluidat all ends.

 

How Benê's solution in partnership with Dock innovates flexible benefits management

 

Benê's platform simplifies the management of corporate benefits, allowing balances to be distributed according to company rules. With a Visa card and its own app , employees have the freedom to choose how to use their benefits in a practical and personalized way.

Discover some of the advantages of the Benê multi-benefit card:

• Accepted in over 5 million establishments;
• All benefits on a single card;
• Prepaid in credit function;
• Visa brand, with wide acceptance;
• approximation payments (contactless);
• Digital version available for greater convenience.

Another important point is that the new PAT rules are met with the support of the license provided by Dock, ensuring compliance and security for companies and employees.

Advantages for the company

• • Cost reduction, no extra fees;
  • Greater attraction and retention of talent;
  • End of bureaucracy with multiple suppliers;
  • Greater engagement and productivity;
  • Guaranteed job security;
  • Humanized service and specialized support.

 

Benefits for employees

• • • Benefits aligned with your needs;
    • More recognition and appreciation;
    • Ease of organizing finances;
    • Freedom of choice and autonomy;
    • Better quality of life at work;
    • Well-being and balance in everyday life.

 

Why did Benê choose Dock to innovate the multi-benefits sector

 

Benê saw on the platform Dock One the perfect option to modernize your operation cards multi-benefitsThe solution allows employees to divide their balance between categories such as food, mobility, culture, and health, according to each company's rules.

With Dock, Benê operates in a unified and scalable way, integrating card issuing services, digital banking, credit and acquiring. The multi-benefit card Dock, which uses the Visa brand, facilitates adaptation to the new rules of the Worker Food Program (PAT).

For Marcelino Dornas, CTO of Benê, the choice for Dock was strategic, ensuring efficiency and competitiveness in a benefits market that never stops growing. “We chose Dock One for ensure scalability and efficiency, expanding workers’ access to quality services at reduced costs,” he explains.

In addition to simplifying operations, the partnership allows Benê to accelerate the launch of innovative services, expanding workers' access to a more practical and personalized experience. All this with greater security, speed, and efficiency.

With the solution Multi-benefit Card as a Service da Dock, part of our pillar of Cards & Credit, your company can also be one of the first to offer its own benefits card within the new legislation.

 

Bene and Dock linked to the future of benefits

 

Benê already distributes more than R$ 5 million in benefits every month , directly impacting more than 5 employees in over 300 companies. In 2024, it achieved 28% growth compared to the previous year, reinforcing its commitment to innovation and efficiency in corporate benefits management.

Throughout our history, the company has expanded its portfolio to include insurance, benefits balances, and strategic partnerships, establishing itself as a true one-stop-shop for Human Resources.

In this way, Benê continues to prepare for new advances, alongside Dock, to transform the future of benefits!

 

The Brazilian multi-benefits market is undergoing rapid transformation due to new regulations that are driving competition in the segment, opening up space for new players and innovative solutions. In this context, Benê, a specialist in corporate benefits management, has invested in cutting-edge technology to revolutionize the multi-benefits sector, bringing greater flexibility to companies and employees.

Also known as flexible benefits , multi-benefit plans generate around R$150 billion in the country, according to industry data , making this market one of the largest in the world. According to TechNavio , the sector is expected to grow at a rate of 9,55% per year until 2028, adding US$6,99 billion to the segment.

To stand out in this dynamic scenario, Bene has the technology of Dock to meet the new demands of the sector, including the changes approved by the PAT. Based on a robust and scalable platform, the partnership brings to market a modern multi-benefit solution, ensuring greater efficiency, personalization and competitiveness.

In this article, we will explore how this partnership is revolutionizing the multi-benefit market, the differentiating factors of the solution adopted by Benê, and the impacts of this innovation on the entire sector.

Discover the multi-benefit card Dock

Based on APIs, the company's flexible benefits solutions platform Dock é adaptable and has everything a business needs to offer flexible benefits, including Meal Vouchers and Food Vouchers, under its own brand, whether for other companies or even for its own staff.

A Dock takes care of everything that is necessary:

• Card issuance and processing;
• Regulatory scope and licenses;
• Technology through scalable APIs;
• Safety and prevention fraude;
• Platform for managing card stock and its operation.

In addition to the PAT (Meal and Food), the solution of Dock also includes customizable flexible benefits. Find out in detail:

• Mobility: postgasoline, parking, public and private transport;
• Cheers: medical and hospital services, pharmacies, physical and mental health apps;
• Home office: internet, stationery, energy and telephone providers;
• Culture: cinema, museum, bookstores, newsstands, shows and events;
• Education: online, technical and higher education courses.
• Free Balance: balance to spend on any type of product/service.

Thus, the Dock provides and operates all the technological infrastructure and regulatory licenses required in all pillars of the operation of Multibenefits as a Service: Processing, BIN Sponsor, IP License and Fraud Prevention.

 

Corporate benefits management: what you saw in this article

• The multi-benefit market in Brazil is growing rapidly, driven by new regulations and increased competition. The sector generates approximately R$150 billion and is expected to grow 9,55% annually through 2028.
• Benê invests in technology to offer more flexible and innovative solutions for companies and workers.
• With the support of Dock, Benê offers a modern multi-benefits card that complies with the new PAT rules. The solution allows employees to distribute their balance among different categories, such as food, health, and culture.
• Companies benefit from reduced costs, less bureaucracy, and greater employee engagement.
• The partnership with Dock ensures regulatory compliance, security and a personalized user experience.