NuvioLife
Three steps. Under two minutes.

From receipt to reimbursed in hours.

How a NuvioLife claim actually works, from snapping the receipt to getting paid back.

Back to For Employees
The three steps

Every step, in plain English.

No carrier portal, no PDF forms, no fax line. Just three short screens between you and the money.

01

Pay for your expense

Live your life, pay for the massage, the prescription, the new pair of glasses, the way you would on any other day. NuvioLife reimburses you after the fact, so there is no special card to remember and no merchant lookup to worry about.

  • Any payment method works
  • A phone-photo of the receipt is fine
  • No paperwork to file with HR
  • Multi-receipt purchases handled in one claim
What happens behind the scenes

Receipts are stored securely against your member record so you never have to dig through email or a shoebox at tax time.

02

Snap and submit

Open the app, tap the plus button, and follow the three short prompts. Most members finish the whole flow in about 90 seconds, the camera launches automatically, the wallet picker remembers your last choice, and the amount field accepts decimals exactly the way you type them.

  • Open the app, tap the +
  • Photograph the receipt
  • Pick the wallet (HSA/LSA/PSA/FIN/WFH)
  • Enter amount and service date
What happens behind the scenes

Our OCR pre-fills the merchant and total whenever the receipt is legible, so you mostly just confirm what is already on screen.

03

Get reimbursed

Most claims are approved within hours. Once approved, your reimbursement lands by Direct Deposit (EFT) in 1 to 2 business days, or near-instantly by Interac e-Transfer if that is what you have on file. Either way you get a push notification the moment funds clear.

  • Most claims approved within hours
  • EFT (1 to 2 biz days) or Interac e-Transfer (near-instant)
  • Tracked in your claims history
  • Push notification when funds clear
What happens behind the scenes

Approved to Paid happens automatically, no second login, no portal hop, no waiting on the next pay cycle.

Reimbursement choice

Pick how you get paid back.

Set it once in your profile. Switch any time. Every reimbursement after that just shows up.

EFT, Direct deposit

Lands in your bank account.

The classic option. Set up the void cheque once, and every approved claim arrives in your bank in 1 to 2 business days.

  • • 1 to 2 business day arrival
  • • One-time bank link
  • • Reconciles cleanly with banking apps
Interac e-Transfer

Lands in your inbox.

The fast option. Reimbursements are sent to the email or phone number on file, usually arriving within minutes of approval.

  • • Near-instant after approval
  • • Auto-deposit if your bank supports it
  • • No bank link required
Edge cases

What if it gets rejected?

What happens if a claim is rejected?

You see the reason in the app right away. The most common reasons are: receipt is missing the date or vendor, the expense is not covered by your wallet, or the amount exceeds your remaining balance. You can fix and resubmit immediately.

Can I split a single receipt across wallets?

Yes. The app walks you through allocating line items at submission.

How long are receipts kept?

Long-term retention for compliance, you do not need to keep your own copies.

Get this at work

Want claims this simple at your job?

One link. Your employer can be live with NuvioLife in a single afternoon, and you never touch a fax line again.