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 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' \
    -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.

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{
  "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

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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.

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{
  "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"
    }
  }
}