INFINITE OPTIMIZE
PAYROLL API MIDDLEWARE · AUTOMATED FICA RECOVERY
Programmatic FICA Cash-Flow Recovery.
Connect natively to your payroll provider via Finch API. Infinite programmatically recovers employer FICA margins, deploys an automated preventive care rider under IRC §125/§106, and eliminates payroll drift—100% self-funding with zero out-of-pocket invoices.
INTEGRATION
Native Finch
API Layer
BILLING
Zero Invoices
(Self-Funding)
NET RETURN
~3% Payroll
Margin
THE FINCH API PROTOCOL — ZERO MANUAL WORK
01
Instant Finch API Connection
Securely mirror your active W-2 headcount and monthly gross payroll in seconds—no manual entry.
READ-ONLY API MIRROR02
7.65% FICA Relief Capture
Software automatically routes pre-tax wage deductions and deploys an employer-paid preventive care rider under IRC §125/§106.
AUTOMATED ROUTING03
Programmatic ACH Draft
Infinite's platform fee drafts directly from created tax savings AFTER they appear in your payroll. You never write a check.
100% SELF-FUNDING"The system generates cash-flow recovery before any platform draft occurs."
HOW THE MIDDLEWARE OPERATES
01
Securely authenticate your existing payroll provider via a Finch API token—without manual HR labor.
02
Automated alignment under IRC §125, §106, and §213(d) unlocking employee preventive care while recovering employer FICA tax margins.
03
Calculated dynamically per payroll cycle via Finch live feeds; 100% self-funding with zero out-of-pocket invoice cost.
VERIFIED CASH-FLOW RECOVERY
TIER 0 SMALL BUSINESS
$25,000 / mo
Gross Monthly Payroll
TIER 1 MID-MARKET
$100,000 / mo
Gross Monthly Payroll
TIER 2 ENTERPRISE
$500,000 / mo
Gross Monthly Payroll
TIER 3 CORPORATE
$1,000,000 / mo
Gross Monthly Payroll
Illustrative estimates based on standard headcount ratios and full plan enrollment. Exact net cash-flow recovery is verified per employer via Finch API underwriting prior to activation.
Plug in via Finch API. We verify your exact gross payroll, run the underwriting engine, and show you your net cash-flow return—free, in under 24 hours.
CONNECT VIA FINCH DIAGNOSTIC →INFRASTRUCTURE & COMPLIANCE
Turn mandatory payroll liabilities into active tax savings while delivering ACA-compliant health access—powered by automated payroll sync.
WHO WE ARE
Infinite Optimize helps employers structure secure, IRS-compliant payroll-based savings programs anchored directly in IRC Section 125 & Section 105. We aren't selling traditional high-cost major medical insurance; we deliver a modern compliance and payroll framework that unlocks maximum FICA payroll tax savings while providing essential healthcare access.
IRS CODE LEVERAGE
IRC Section 125 (Cafeteria Plans)
Allows pre-tax employee deductions, directly lowering total taxable payroll.
IRC Section 105 (Medical Reimbursement)
Provides the tax-free mechanism to reimburse qualified medical, preventive, and health expenses.
ACA Minimum Essential Coverage (MEC)
Meets federal compliance standards so your business satisfies ACA requirements with a low-cost, predictable structure.
TWO TAILORED PATHS
PATH A
For Employers Who Don't Offer Benefits
PATH B
For Employers Who Already Offer Benefits (The Tax Rider)
COMPLIANCE & AUTOMATION
Clean IRS Compliance
No artificial "wellness stipends," fake employee cash loops, or audit risk. Just straightforward, legally sound pre-tax payroll deductions.
Automated by Finch API
Replaces monthly Excel censuses with direct payroll engine sync. Setup takes minutes, deductions sync automatically, and compliance runs in the background.
Questions? Email us at info@infiniteoptimize.co