A processor-neutral SNAP split-funding solution, built for the new federal funding requirement — with no changes to your eligibility system.
The One Big Beautiful Bill Act (P.L. 119-21) rewrites how SNAP is funded. For the first time since 1964, states must share the cost of both administration and benefits.
Federal share of SNAP administrative costs. States now cover 75%.
Of SNAP benefit costs shift to states with payment error rates above 6% / 8% / 10%.
Benefits were 100% federally funded since 1964. States must now split, calculate & account for them.
Sources: USDA / FNS; Federal Register; NACo; ASTHO.
Benefits must be divided across federal and state funding before loading — logic today's eligibility and issuance systems simply don't have.
Re-engineering eligibility systems and issuance files is costly, multi-year, and high-risk — on infrastructure agencies depend on every single day.
FY2028 benefit cost-sharing begins Oct 1, 2027. There is no runway for a multi-year systems replacement.
The dilemma: meet a hard federal deadline without betting daily operations on a risky, expensive system rebuild.
An EBT-processor-neutral SNAP split-funding solution that automates the federal / state cost split — with no changes to your eligibility system or existing files.
Validates, controls, and confirms funding authority before benefits are loaded to the card.
Issues the benefit file to your EBT processor per new federal regulations and processor / state requirements.
Delivers reconciliation and settlement services purpose-built for SNAP split-funding rules.
Unchanged
Validate authority · split federal/state · issue file
Any processor — vendor-neutral
Benefit loaded, correctly funded
Because it is EBT-processor neutral and file-compatible, states adopt the Orchestrator without disrupting daily operations or replacing existing systems.
It carries the records, decisions, and evidence — federal and state funds move only through your existing processor and treasury paths.
Recipients still see one, simple SNAP balance — nothing changes for the household.
Confirms both federal authority (FNA/AMA) and applicable state authority are in place for the benefit month — in advance of the issuance file being processed.
Returns one deterministic decision — approve, hold, or partial — for your processor to enforce. Missing, stale, or insufficient authority never defaults to approval.
Preserves the federal/state source split through posting, redemption, and corrections, then reconciles into one audit-ready close package.
Morse operates the SNAP EBT processing platform for Louisiana — real-money, real-households, in production.
of SNAP & WIC households nationally use a Morse-built beneficiary portal or mobile app to check their benefits.
operational reliability running Louisiana's live SNAP EBT program.
During the 2025 federal shutdown, SNAP funding stopped — and Louisiana funded benefits itself. Morse built the processes and controls to track state-funded and federally funded benefits on the same card.
That same foundation now powers the Orchestrator — for every state, any processor.
So you reach compliance with controlled operations instead of a rushed custom build.
With settlement and close reporting, appropriations evidence, and clear budget visibility.
states must be able to split-fund benefits by FY2028 — including yours, whatever your error rate.
20+ states were here in 2024 — the highest benefit-cost exposure, and the shortest runway to be ready.
Cost-sharing still applies from FY2028, scaled to where your error rate lands in the band.
8 states were here in 2024 — you still need split capability for admin cost accounting and audit readiness.
Sources: NACo; ASTHO; FFIS (2024 payment error rates).
See exactly what a rollout looks like for your state's eligibility system, EBT processor, and funding authority — no commitment required.