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 sale (also known as a Transfer
) or creating an Authorization
.
-
Set
hsa_fsa_payment
to true to charge aPayment Instrument
that was created using a Health Savings Account or a Flexible Savings Account.
Creating a Sale with HSA or FSA Cards
curl https://finix.sandbox-payments-api.com/transfers \
-H 'Content-Type: application/vnd.json+api' \
-H 'Finix-Version:2022-02-01' \
-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.
{
"id" : "TR8bRJ22SBReMehVQMVAbRpr",
"created_at" : "2022-10-10T06:31:52.37Z",
"updated_at" : "2022-10-10T06:31:53.12Z",
"additional_buyer_charges" : null,
"additional_healthcare_data" : null,
"address_verification" : null,
"amount" : 950,
"amount_requested" : 950,
"application" : "APgPDQrLD52TYvqazjHJJchM",
"currency" : "USD",
"destination" : null,
"externally_funded" : "UNKNOWN",
"failure_code" : null,
"failure_message" : null,
"fee" : 0,
"idempotency_id" : null,
"merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
"messages" : [ ],
"raw" : null,
"ready_to_settle_at" : null,
"security_code_verification" : null,
"source" : "PIe2YvpcjvoVJ6PzoRPBK137",
"state" : "PENDING",
"statement_descriptor" : "FNX*DUNDER MIFFLIN",
"subtype" : "API",
"tags" : {
"order_number" : "21DFASJSAKAS"
},
"trace_id" : "ea7c2b3e-bef7-45c5-aac3-76c94e25cb65",
"type" : "DEBIT",
"_links" : {
"application" : {
"href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
},
"self" : {
"href" : "https://finix.sandbox-payments-api.com/transfers/TR8bRJ22SBReMehVQMVAbRpr"
},
"merchant_identity" : {
"href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
},
"payment_instruments" : {
"href" : "https://finix.sandbox-payments-api.com/transfers/TR8bRJ22SBReMehVQMVAbRpr/payment_instruments"
},
"reversals" : {
"href" : "https://finix.sandbox-payments-api.com/transfers/TR8bRJ22SBReMehVQMVAbRpr/reversals"
},
"fees" : {
"href" : "https://finix.sandbox-payments-api.com/transfers/TR8bRJ22SBReMehVQMVAbRpr/fees"
},
"disputes" : {
"href" : "https://finix.sandbox-payments-api.com/transfers/TR8bRJ22SBReMehVQMVAbRpr/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
curl https://finix.sandbox-payments-api.com/authorizations \
-H 'Content-Type: application/vnd.json+api' \
-H 'Finix-Version:2022-02-01' \
-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.
{
"id" : "AUo8BiLgvzZzT41KBB7C8GQo",
"created_at" : "2022-10-10T06:32:17.04Z",
"updated_at" : "2022-10-10T06:32:17.30Z",
"3ds_redirect_url" : null,
"additional_buyer_charges" : null,
"additional_healthcare_data" : null,
"address_verification" : "POSTAL_CODE_AND_STREET_MATCH",
"amount" : 950,
"amount_requested" : 950,
"application" : "APgPDQrLD52TYvqazjHJJchM",
"currency" : "USD",
"expires_at" : "2022-10-17T06:32:17.04Z",
"failure_code" : null,
"failure_message" : null,
"idempotency_id" : null,
"is_void" : false,
"merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
"messages" : [ ],
"raw" : null,
"security_code_verification" : "MATCHED",
"source" : "PIe2YvpcjvoVJ6PzoRPBK137",
"state" : "SUCCEEDED",
"tags" : {
"order_number" : "21DFASJSAKAS"
},
"trace_id" : "f702ed93-d38d-430d-8924-a09d946e037c",
"transfer" : null,
"void_state" : "UNATTEMPTED",
"_links" : {
"self" : {
"href" : "https://finix.sandbox-payments-api.com/authorizations/AUo8BiLgvzZzT41KBB7C8GQo"
},
"application" : {
"href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
},
"merchant_identity" : {
"href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
}
}
}