HSA / FSA Cards

Learn how to accept Health Savings Account (HSA) or Flexible Spending Account (FSA) cards at Finix and which merchant category codes (MCCs) are eligible.

To accept HSA and FSA cards, a special Merchant Category Code (MCCs) must be granted first. These healthcare-related MCCs let card networks know your 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.

HSA/FSA Transaction Restrictions

Only medical service providers can process transactions made with HSA and FSA cards. Retail Stores that sell inventory that can be purchased using HSA or FSA cards can't process HSA/FSA transactions.

If you have any questions regarding eligibility, please reach out to your Finix point of contact or email Finix Support.

Eligible Merchant Category Codes

Merchant Category Code (MCC)Description
4119Ambulance Services (Dependent on Plan Administrator)
5047Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies
5975Hearing Aids - Sales, Service, Supply Stores
7277Counseling Service - Debt, Marriage, and Personal (Dependent on Plan Administrator)
8011Doctors and Physicians (not elsewhere classified)
8021Dentists, Orthodontists
8031Osteopaths
8041Chiropractors
8042Optometrists, Ophthalmologists
8043Opticians, Optical Goods, and Eyeglasses
8049Podiatrists and Chiropodists
8050Nursing and Personal Care Facilities
8062Hospitals
8071Medical and Dental Laboratories
8099Health Practitioners, Medical Services (not elsewhere classified)

Making a Payment with HSA or FSA Cards

Eligible Merchants 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

curl https://finix.sandbox-payments-api.com/transfers \
  -H 'Content-Type: application/json' \
  -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": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "security_code_verification": null,
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "PENDING",
    "statement_descriptor": "FNX*FINIX FLOWERS",
    "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/json' \
  -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": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "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"
        }
    }
}