Systems and methods for processing, for example, childcare benefits include: issuing a benefit card to a childcare customer; receiving a start time for childcare service at a childcare provider, the start time recorded by using the benefit card at a terminal located at the children provider at the start of childcare service; receiving an end time for childcare services at the childcare provider, the end time recorded by using the benefit card at a terminal located at the childcare provider at the end of childcare services; computing the childcare benefit eligibility based on the start time, the end time and benefits available for the childcare customer; and paying the childcare provider a payment based on the computed benefit eligibility.