Accept Health Savings Account (HSA) or Flexible Spending Account (FSA) Cards

Learn about accepting HSA and FSA cards.


To accept HSA and FSA cards, a seller needs to get granted a special Merchant Category Code (MCCs). These healthcare-related MCCs let card networks know your seller's products and services are directly related to the medical needs of patients.

Accepting HSA or FSA payments does not ensure cards will get processed successfully. Like other transactions, card issuers ultimately decide to authorize or decline a payment.

Eligible Merchant Category Codes

Merchant Category Code (MCC) Description
4119 Ambulance Services (Dependent on Plan Administrator)
5975 Hearing Aids - Sales, Service, Supply Stores
5976 Orthopedic Goods - Artificial Limb Stores
7277 Debt, Marriage, Personal Counseling Service (Dependent on Plan Administrator)
8011 Doctors (not elsewhere classified)
8021 Dentists, Orthodontists
8031 Osteopathic Physicians
8041 Chiropractors
8042 Optometrists, Ophthalmologists
8043 Opticians, Optical Goods, and Eyeglasses
8049 Chiropodists, Podiatrists
8050 Nursing and Personal Care Facilities
8062 Hospitals
8071 Dental and Medical Laboratories
8099 Health Practitioners, Medical Services (not elsewhere classified)

Making a Payment with HSA or FSA Cards

Eligible sellers detail how HSA or FSA cards get charged while creating a a sale (also known as a Transfer) or creating an Authorization.

  • Set hsa_fsa_payment to true to charge a Payment Instrument that was created using a Health Savings Account or a Flexible Savings Account.

Creating a Sale with HSA or FSA Cards

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "amount": 950,
        "currency": "USD",
        "hsa_fsa_payment": true,
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
          "order_number": "21DFASJSAKAS"
        }
}'

A successful response returns 201, the newly created Transfer, and a PENDING response.

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{
  "id" : "TRn6mhAnctEUPaiDjtferNyL",
  "amount" : 950,
  "tags" : {
    "order_number" : "21DFASJSAKAS"
  },
  "state" : "PENDING",
  "trace_id" : "aed60d74-3e8b-441c-9186-b4758a1640ae",
  "currency" : "USD",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "destination" : null,
  "ready_to_settle_at" : null,
  "externally_funded" : "UNKNOWN",
  "fee" : 0,
  "statement_descriptor" : "FNX*DUNDER MIFFLIN",
  "type" : "DEBIT",
  "messages" : [ ],
  "raw" : null,
  "created_at" : "2022-09-13T21:18:52.65Z",
  "updated_at" : "2022-09-13T21:18:53.26Z",
  "idempotency_id" : null,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "subtype" : "API",
  "failure_code" : null,
  "failure_message" : null,
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : {
    "copay_amount" : 0,
    "clinic_amount" : 50,
    "dental_amount" : 200,
    "prescription_amount" : 300,
    "vision_amount" : 300
  },
  "address_verification" : null,
  "security_code_verification" : null,
  "_links" : {
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRn6mhAnctEUPaiDjtferNyL"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    },
    "payment_instruments" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRn6mhAnctEUPaiDjtferNyL/payment_instruments"
    },
    "reversals" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRn6mhAnctEUPaiDjtferNyL/reversals"
    },
    "fees" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRn6mhAnctEUPaiDjtferNyL/fees"
    },
    "disputes" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRn6mhAnctEUPaiDjtferNyL/disputes"
    },
    "source" : {
      "href" : "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
    },
    "fee_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
    }
  }
}

Creating an Authorization with HSA or FSA Cards

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curl https://finix.sandbox-payments-api.com/authorizations \
    -H "Content-Type: application/vnd.json+api" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "amount": 950,
        "currency": "USD",
        "hsa_fsa_payment": true,
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
          "order_number": "21DFASJSAKAS"
        }
}'

A successful response returns 201, an Authorization with state SUCCEEDED.

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{
  "id" : "AU7t9kziutaDuaaobGmH8775",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "amount" : 950,
  "tags" : {
    "order_number" : "21DFASJSAKAS"
  },
  "state" : "SUCCEEDED",
  "currency" : "USD",
  "transfer" : null,
  "messages" : [ ],
  "raw" : null,
  "created_at" : "2022-09-13T21:17:43.58Z",
  "updated_at" : "2022-09-13T21:17:43.75Z",
  "trace_id" : "0c1d6d5d-dce9-4b5a-bdcf-853cf5c775ce",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "3ds_redirect_url" : null,
  "is_void" : false,
  "void_state" : "UNATTEMPTED",
  "expires_at" : "2022-09-20T21:17:43.58Z",
  "idempotency_id" : null,
  "additional_buyer_charges" : null,
  "failure_code" : null,
  "failure_message" : null,
  "additional_healthcare_data" : {
    "copay_amount" : 0,
    "clinic_amount" : 50,
    "dental_amount" : 200,
    "prescription_amount" : 300,
    "vision_amount" : 300
  },
  "address_verification" : "POSTAL_CODE_AND_STREET_MATCH",
  "security_code_verification" : "MATCHED",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AU7t9kziutaDuaaobGmH8775"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}