Heka vs Epassi
How Heka and Epassi compare
Both Heka and Epassi give employees access to employer-funded wellbeing support. That's where the similarity largely ends. Epassi is primarily a wellbeing payments platform; Heka is a health-led employee wellbeing platform designed to improve health outcomes.
Epassi helps employees pay for wellbeing through a card and merchant network that's particularly popular in Nordic markets. Heka helps employees discover, access, and engage with support throughout the year. Here's how they actually compare:
| What matters | Heka | Epassi |
|---|---|---|
| Approach | A wellbeing allowance, made easy for employers to distribute and manage. | Wellbeing card accepted across an approved network of merchants. |
| Health depth | Flexible, health-led benefits with AI smart personalisation for every life stage. | Strong focus on fitness, sport and everyday wellbeing spending. |
| Partner curation | Large marketplace of participating providers designed to maximise employee choice and spending flexibility. | A broad merchant network where employees choose where to spend their allowance. |
| Personalisation | Employees choose where to spend, guided by AI matching them to the right service at the right moment. | Employees select a provider themselves and use their wellbeing card to pay. |
| Inclusion | Built around women's health, men's health, neurodiversity, carers, parents, financial wellbeing, and beyond. | Designed around wellbeing spending rather than broader personalised support. |
| Reporting | Reporting focuses on allowance utilisation, spending activity, and provider engagement. | Reporting focuses on allowance usage and transaction data. |
| Content and education | Practical guidance designed to build benefits awareness and adoption. | Limited educational content. Primary focus placed on transactions and allowance usage. |
| UK tax handling | Strong support for salary sacrifice, payroll, and UK benefits administration. | Built primarily around Nordic market requirements, with lighter support for UK-specific tax considerations. |
| Implementation | Straightforward implementation focused on allowance setup, provider access, and employee onboarding. | Simple rollout centred on card distribution and employer setup. |
What matters
Approach
Heka
A wellbeing allowance, made easy for employers to distribute and manage.
Epassi
Wellbeing card accepted across an approved network of merchants.
Health depth
Heka
Flexible, health-led benefits with AI smart personalisation for every life stage.
Epassi
Strong focus on fitness, sport and everyday wellbeing spending.
Partner curation
Heka
Large marketplace of participating providers designed to maximise employee choice and spending flexibility.
Epassi
A broad merchant network where employees choose where to spend their allowance.
Personalisation
Heka
Employees choose where to spend, guided by AI matching them to the right service at the right moment.
Epassi
Employees select a provider themselves and use their wellbeing card to pay.
Inclusion
Heka
Built around women's health, men's health, neurodiversity, carers, parents, financial wellbeing, and beyond.
Epassi
Designed around wellbeing spending rather than broader personalised support.
Reporting
Heka
Reporting focuses on allowance utilisation, spending activity, and provider engagement.
Epassi
Reporting focuses on allowance usage and transaction data.
Content and education
Heka
Practical guidance designed to build benefits awareness and adoption.
Epassi
Limited educational content. Primary focus placed on transactions and allowance usage.
UK tax handling
Heka
Strong support for salary sacrifice, payroll, and UK benefits administration.
Epassi
Built primarily around Nordic market requirements, with lighter support for UK-specific tax considerations.
Implementation
Heka
Straightforward implementation focused on allowance setup, provider access, and employee onboarding.
Epassi
Simple rollout centred on card distribution and employer setup.