One governed decision.
Every UPC. Every state.

Morse IDP converts fragmented, constantly-changing SNAP waiver rules into one governed, versioned eligibility record per UPC — delivered natively into the POS your team already runs, and backed by an insurance guarantee.

Item Decisioning Platform · EBT/SNAP retail compliance

One governed eligibility decision per UPC — across every waiver state, backed by an insurance guarantee.

  • 22Waiver states covered
  • 1,100+FNA rules tracked live
  • 9,000+Stores live at anchor retailer
  • Insured to subscription value

Waiver effective dates, 2026–2028

Each chip is a state and the date its SNAP restriction takes effect. * marks states whose rules are approved but still finalizing scope.

Enforcement is live

The grace periods are already running — and the liability sits with your team.

States monitor and report. USDA FNA holds sanction authority. Your SNAP authorization — not just a product line — is the asset at risk.

  • 90 daysGrace period after each state's effective date
  • 2 strikesWarning first, then involuntary SNAP withdrawal
  • UndercoverFNA investigations begin after the grace period
  • UPC × stateThe unit of decision: UPC × state × effective date

One state to 22 in under a year

Rollouts phased through 2028 — the footprint only grows.

  • 1May '25
    NE, first
  • 22Mar '26
    approved
  • 30+Pipeline
    +8 announced
The maze

One product. Four states. Four different answers.

Every state writes its own rulebook — a gram threshold here, an ingredient-order test there, a tax-code test somewhere else.

Sweetened soda, 12oz can SKU 049000028911

  • ColoradoRestricted

    Any sweetener counts — sweetened ready-to-drink beverages restricted, including diet drinks and drinks under 50% juice.

  • TexasRestricted

    Gram threshold — 5g or more added sugar per serving, or any artificial sweetener.

  • TennesseeRestricted

    Ingredient-order test — sugar appears among the leading ingredients on the label.

  • IowaRestricted

    Tax code decides — food that is taxable is ineligible.

A zero-sugar diet soda is still restricted in many states — artificial sweeteners count. Several states won't publish complete UPC lists; the classification burden lands on you.

Zero-sugar diet cola, 12oz can SKU 049000050103

  • ColoradoRestricted

    Diet drinks are restricted under current state rules regardless of sugar content.

  • TexasRestricted

    No added sugar, but any artificial sweetener triggers restriction.

  • TennesseeEligible

    No sugar or corn syrup appears among the leading ingredients on this label.

  • IowaEligible

    Classified as non-taxable under the state's grocery tax code.

Same category, opposite outcome in two of four states — the sweetener, not the sugar, is what moves the needle.

Individually wrapped snack cake SKU 072250012456

  • ColoradoEligible

    Rule targets beverages only; packaged bakery snacks fall outside current scope.

  • TexasRestricted

    Added-sugar gram threshold applies across snack categories, not just drinks.

  • TennesseeRestricted

    Sugar is the second listed ingredient on the label.

  • IowaEligible

    Classified as taxable grocery item, which keeps it SNAP-eligible under this test.

A single assortment can carry four verdicts on one SKU — hand classification doesn't scale past a handful of states.

Proven infrastructure

Built on the rails that already move America's benefits.

The same infrastructure behind $10B+ in annual benefit distribution now governs item-level SNAP eligibility.

The program

IDP runs the compliance loop so your team doesn't have to.

One AI-maintained module covering every waiver state — continuously current, not a static snapshot.

  • 01 / Curate

    Curate

    Monitor and maintain every state rulebook, definition, effective date, and legal status as it changes.

  • 02 / Decide

    Decide

    Every UPC decided under each state's rulebook, with evidence and a timestamp attached.

  • 03 / Publish

    Publish

    Governed outputs scoped to your assortment and covered states, delivered nightly or via real-time API.

  • 04 / Defend

    Defend

    Receipts, evidence packages, and challenge handling ready the moment FNA or a state agency asks.

The platform

One console where your compliance team sees everything.

01 / Program dashboard

Your whole program at a glance

Posture, agenda, evidence, and what changed — the entire IDP program on one live screen.

02 / Compliance Mission Control

Every state, every deadline, one map

All 22 covered states, what each requires, who acts next, and the proof — on a single map.

03 / Item decision detail

Every UPC decision, with the evidence

Per-item content, RPL status, and nutrition backing — the defensible record behind each call.

app.itsmorse.com / idp
Live
IDP program dashboard overview — posture, evidence, and item operations
Compliance Mission Control — 22 covered states, agenda, and operating map
IDP item decision detail — Chex Mix, RPL status and nutrition evidence
The defense

When FNA asks, you answer with records — not guesswork.

Every decision carries evidence, a clock, and an insurance guarantee behind it.

  • 10
    Business-day decision clockOn every submitted item.
  • 48hr
    Challenge responseOn any decision you dispute.
  • 35+
    States, EBT app of recordLogic proven on real cardholders.
  • 100%
    Verified-ineligible onlyConfirmed items, never guess lists.
Insured to subscription
The guarantee

If our list draws an FNA fine, Morse covers the liability — not you.

Every restricted product list is backed by a bound Tech E&O + regulatory-penalty policy, insured to 3× your annual subscription. Delta feeds reconcile against a monthly full-file true-up, so nothing quietly drifts out of sync.

  • Versioned publication manifests
  • Per-UPC decision history
  • Delivery receipts on demand
  • Challenge & resolution records
Built for your whole committee

Same platform. Different entry point.

Whoever's evaluating IDP on your side, here's the case that matters to them.

Compliance & Risk

"Your SNAP authorization is the asset at risk."

Insurance-backed guarantee, audit evidence packages, and eligibility logic already proven as the official EBT app of record in 35+ states.

IT & POS

"Zero new integration burden."

45–60 day time-to-live, nightly or real-time API delivery, native partner-POS integration.

Category & Merchandising

"Stop hand-classifying SKUs against four rulebooks."

1,100+ rules automated; verified-ineligible-only publication with 48-hour challenge response.

Finance

"Insured to 3× subscription."

Up to $20M+ lost EBT revenue exposure cited industry-wide, against a predictable subscription cost.

Operations

"One relationship handles it."

Curate → Decide → Publish → Defend, with an onboarding timeline and enablement built in.

In one sentence
"You accept SNAP. There's a compliance obligation you need to know about. IDP handles it — your item decisions, your compliance calendar, your attestations, your audit evidence — maintained on your behalf."
  • One trusted systemNo new procurement cycle to stand this up.
  • Know your exposurePer-state status and deadlines on a single dashboard.
  • Defensible for FNAVersioned publications, receipts, and challenge records.
Next step

Enforcement won't wait for your roadmap.

Talk to sales