CASE STUDY: Xformative and Mastercard Enhance Processing Operations with Network Exchange (NEX)

Modernizing healthcare payments at scale requires more than a new platform — it demands the right network infrastructure, seamless migration execution, and a partner capable of handling complexity without disruption.

In this case study, we highlight how a leading U.S. third‑party administrator (TPA) partnered with Xformative and Mastercard to transition from a legacy processing solution to Xformative’s advanced unified, cloud‑native issuing and processing model leveraging Mastercard’s Network Exchange (NEX) platform. 

Over the course of the engagement, the teams successfully migrated BINs, re‑issued nearly one million cards, transitioned more than 60,000 employers and 2.5 million individuals, and processed over 4 billion data records — all while maintaining continuity across both legacy and new platforms.

The result is a streamlined, scalable processing infrastructure that reduces operational complexity, consolidates network interactions, and positions the TPA for long‑term growth.

This first‑of‑its‑kind healthcare implementation of NEX demonstrates what’s possible when modern architecture, network innovation, and collaborative execution come together.