Better Health for All

Flywire's core products and services, as a payment enablement and software company, have no direct positive or negative health impact. The company's revenue is not derived from products with direct health harms. Flywire aims to improve healthcare affordability by offering payment plans up to 60 months, with 81% of US adults wanting to pay medical expenses over time, and 74% more likely to pay with longer terms (24 months instead of 6-9 months).

However, the company does not provide specific pricing data relative to production cost or the percentage of those in need reached by access programs. Flywire's solutions are designed to improve access to healthcare for all patients, including those with financial limitations, and 84% of respondents with children want installment payments. However, there is no quantitative data on the percentage of vulnerable populations reached. Patient surveys indicate that 75% of respondents find medical bills too complicated, and 95% agree there needs to be a better way to simplify them. Flywire's partnership with Atlas Health facilitates access to philanthropic medical financial aid, but no specific funding or impact metrics are provided. Flywire's platform improves staff experience by providing better patient financial information, saving 25,500 staff hours in 12 months for one client. However, there is no evidence of initiatives to strengthen the healthcare workforce capacity. Patient surveys reveal that 67% are concerned about possible data breaches with healthcare providers, and 31% of respondents reported notification of a healthcare data breach. Flywire was named to the PCI Security Standards Council 2025-2027 Board of Advisors. The company does not engage in preventative health measures, mental health initiatives, or hold healthcare-related patents.

Fair Money & Economic Opportunity

Flywire Corporation is a payments enablement and software company, not a direct lender or deposit service provider to consumers. Therefore, several KPIs related to lending, such as `underserved_client_share`, `data_accessibility`, `wealth_building_outcome`, `profit_reinvestment`, and `financial_literacy_initiatives`, are not applicable due to the absence of direct consumer credit products or loan/insurance books. The company's core business lies outside these areas. For `pricing_fairness`, Flywire states its Campus Social Responsibility Program ensures no additional fees or rebates are added to payments, and it offers transparent payment processes.

However, as it does not offer consumer credit products, there are no APRs or fee structures to evaluate in the context of lending, resulting in a score of 0. Similarly, for `exploitative_fee_exposure`, Flywire's Affordability Suite offers interest-free payment plans through providers, meaning no revenue is derived from high-cost financial products or penalty fees, leading to a score of 0. For `inclusion_initiatives`, while Flywire has a Charitable Foundation and an awards program for international students, these are not part of a loan/insurance book, making the KPI not applicable (score 0). For `fair_lending_compliance`, Flywire adheres to KYC, AML, and SARs, and complies with various data privacy and security regulations (GDPR, CCPA, HIPAA, PCI DSS). However, as it is not a lender, there is no fair-lending history or specific regulatory findings related to discriminatory lending to evaluate, resulting in a score of 0. For `debt_burden_ratio`, Flywire does not provide debt products to consumers, making this KPI not applicable (score 0). For `geographic_inclusion`, Flywire operates across more than 240 countries and territories, supporting payments in over 140 currencies. However, the company does not operate financial service access points (like branches) in banking deserts or underserved regions, making the KPI not applicable (score 0). For `product_simplicity`, 90% of payments are made without staff assistance, and 80% of patients rate Flywire 4 stars or above. This indicates a level of product usability, but the rubric specifically measures complexity against readability standards. While the high self-service rate and positive patient ratings suggest ease of use, there is no explicit evidence of products requiring middle school level reading (grade 8-9) or specific simplification projects, which would map to a -50 tier.

Fair Trade & Ethical Sourcing

Flywire Corporation is a global payments enablement and software company and does not procure or trade physical commodities.

Therefore, the company has no spend on fair-trade certified inputs. Flywire has a Supplier Code of Conduct, adopted on October 25, 2022, which prohibits suppliers from using forced or child labor, and mandates compliance with wage laws, anti-discrimination, and anti-corruption. The company also performs comprehensive due diligence vendor risk assessments of all its suppliers and abstains from contractual relationships with suppliers that do not demonstrate ethical and socially responsible behavior. However, no specific percentage of suppliers whose contracts include enforceable ethical-sourcing clauses is provided.

Honest & Fair Business

Flywire has not incurred any regulatory fines in the past three years, but has made voluntary submissions to OFAC to report apparent violations, demonstrating prompt self-reporting of minor breaches.

The company states that no restatements of information have been given in previous reports. Flywire has a whistleblowing policy, supplementing its Code of Conduct, which allows for anonymous submissions of concerns regarding illegal or unethical behavior or questionable accounting/auditing matters without fear of dismissal or retaliation. The Audit Committee oversees these procedures. The Audit Committee Charter, adopted April 6, 2024, requires each member of the Audit Committee to be an "independent director" as defined by Nasdaq rules and SEC Rule 10A-3(b)(1). The Audit Committee is responsible for reviewing and monitoring the company’s compliance with anti-corruption and anti-bribery laws in all jurisdictions. Flywire has a bribery and anti-corruption policy, and its Supplier Code of Conduct, adopted October 25, 2022, requires suppliers to comply with all applicable anti-corruption laws. The company's report has not been externally assured, but it is exploring external assurance for future reporting.

No War, No Weapons

The provided articles do not contain specific, concrete evidence for any of the KPIs related to the 'No War, No Weapons' ethical value. Information regarding revenue from arms contracts, dual-use technology with military applications, sales to embargoed regimes, peacebuilding investments, conflict divestment policies, board oversight of defense activities, export end-user certificates, lobbying against arms control, humanitarian procurement compliance, human rights due diligence frequency in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use item screening, surveillance transparency, ethical red lines, exposure to controversial weapons, war risk audit results, annual conflict partner reviews, defense divestment, conflict minerals, peace tech investment ratio, procurement from conflict zones, or ethical red line compliance rates is absent.

While some articles mention general ESG initiatives, data privacy, or a supplier code of conduct, these do not provide the specific quantitative or qualitative facts required by the rubric for scoring this value.

Planet-Friendly Business

Flywire Corporation's 2022 ESG Report summaries consistently state that no regulatory actions, violations, fines, or compliance issues were mentioned.

The company also conducted its first greenhouse gas audit, but the results of this audit, such as total emissions, are not provided. No other specific quantitative data for environmental performance metrics is available in the provided articles.

Safe & Smart Tech

Flywire has no documented data breaches and maintains strong data governance policies and reasonable safeguards.

The company holds PCI DSS Level 1 and SOC II Type 2 certifications, which are among the highest levels in the industry. Flywire is also a member of the PCI Security Standards Council Board of Advisors and was involved in drafting the initial PCI DSS 1.0, indicating leadership in standards development. Flywire requires periodic security training for all personnel, with additional training for customer-facing staff on emerging risks. The company uses Transport Layer Security (TLS) encryption on its website and leverages Payment Card Industry-validated Point-to-Point Encryption tokenization. Flywire monitors for suspicious or fraudulent activities to prevent unauthorized data use. Users can access, modify, update, and request deletion or copies of their personal information, and withdraw consent for data processing. Flywire collects personal information only for its primary purpose or a reasonably related secondary purpose and retains account information as long as active and as necessary to comply with legal obligations and statutory retention periods. The company complies with GDPR, CCPA, PIPEDA, HIPAA, FERPA, and other global laws and regulations, and adheres to the EU-U.S. Data Privacy Framework, its UK Extension, and the Swiss-U.S. Data Privacy Framework. Flywire is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).