Medical Payments
Accept HSA & FSA cards
Enable your Stripe account to accept Health Savings Account and Flexible Spending Account cards for medical-related expenses.Health Savings Account
HSA Cards
Cardholders must be enrolled in an eligible high-deductible health plan (HDHP). Funds roll over year to year.Flexible Spending Account
FSA Cards
No insurance enrollment required, but balances typically must be used within the plan year (use-it-or-lose-it).Stripe configuration requiredHSA/FSA cards require a specific Merchant Category Code (MCC) so card networks can verify your products/services relate to medical needs. Contact Stripe support before accepting these cards.
How to accept HSA payments
Three steps to start accepting HSA and FSA cards for your medical practice.- 1
Contact Stripe
Reach out to Stripe support to configure your account with the correct Merchant Category Code (MCC) for medical services. This is required for HSA/FSA card acceptance.Contact Stripe Support - 2
Download the app
Get the free Payment for Stripe app on iOS or Android. Connect your Stripe account in seconds.Download now - 3
Set up your products
Create your medical products and services in the app. They sync directly with your Stripe product catalog.Learn about products
Why use Payment for Stripe
No new merchant account
Works with your existing Stripe accountBuilt-in fraud detection
Stripe Radar protects every transactionPCI compliant
Card data is never stored on your deviceNo monthly fees
Free to download and useCard reader support
Connect Bluetooth readers for chip & tapEmail receipts
Automatic receipts for patient records
FAQ
HSA & FSA questions
Does Stripe accept HSA cards?
Yes. With an eligible healthcare MCC configured on your account, Stripe processes HSA and FSA debit cards like standard Visa or Mastercard payments, in person or with manual entry.
How do I accept HSA payments?
Ask Stripe support to set your account's Merchant Category Code to an eligible healthcare MCC, then charge HSA and FSA cards in the app like any other card. No extra hardware is needed.
What MCC code do I need for HSA and FSA cards?
An eligible healthcare MCC, such as 8099 (medical services), 8011 (physicians), or 8021 (dentists). Stripe support sets it on your account. Card networks use the MCC to approve HSA and FSA transactions.
Do I need an IIAS inventory system?
Most healthcare providers don't. IIAS applies to retailers like pharmacies that sell a mix of eligible and non-eligible items. If you sell qualified medical services, the right MCC is enough.
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