Canopy Financial, Inc. provides technology-enabled electronic payment, account management, and investment technology platforms for health savings accounts, flexible spending accounts, and health reimbursement arrangements. It offers HealthDirect for bankers, which is a technology-enabled account management and electronic payment platform allowing financial institutions to streamline the administration of health-related spending accounts; and CareGain, a consumer-driven healthcare (CDH) solution for payers enabling health plans and third party administrators to control branding, pricing, and end-to-end CDH plan design, account management, and electronic payment. The company's products incorporate plan design, expense tracking, integrated investment trading, online bill payment, ACH processing, card management systems, account management, customer service interfaces, and plan advisory capabilities. It offers its technology platforms to connect healthcare and financial services for businesses and consumers. The company was founded in 2004 and is headquartered in San Francisco, California with additional offices in Plainsboro, New Jersey; and Chicago, Illinois.