Health Savings Account (HSA) and Flexible Spending Account (FSA) cards require a specific merchant classification to ensure that card providers can identify your services as eligible for these funds. This article explains how HSA and FSA card acceptance works with Practice Better Payments and Square.
In this article:
HSA and FSA Cards with Practice Better Payments
HSA and FSA cards are designated for use with specific types of businesses to confirm that the services being paid for are eligible under each program. To support this, card providers require that your account have a Merchant Category Code (MCC) that corresponds to medical services.
Practice Better requests an MCC of 8099 (Medical Services and Health Practitioners) for your account at the time of onboarding. However, various factors in your payments activity can impact a periodic review from Stripe and may affect your MCC code. Because of this, HSA and FSA card acceptance is not guaranteed.
⚠️ Important: Even when your account is configured to accept HSA and FSA cards, individual transactions can still be declined. Card issuers retain the right to authorize or decline any payment, including HSA and FSA cards.
Requesting a Review
You can request that Practice Better submit a review for HSA and FSA card configuration at any time. This applies to both new and existing accounts. To submit a request, email our payments team at payments@practicebetter.io
📍 Note: If your clients experience unexpected HSA or FSA card declines, contact our payments team at payments@practicebetter.io and we'll review your account configuration.
Collecting Credit Card information through a Form
HSA and FSA cards can't be collected through the Credit Card form element. Clients using one of these cards will typically see a decline message such as "Your card does not support this type of purchase," even on an account that otherwise accepts HSA and FSA payments.
📍 Note: To collect an HSA or FSA card for this client, use one of these methods instead:
- Have the client add the card directly in their Client Portal, under Billing Information.
- Enable "Save billing information for future payments" on an invoice, so the client can store the card when they pay.
Learn more about Collecting Client Credit Card Information Through a Form →
HSA and FSA Cards with Square
If you use Square for payment processing, HSA and FSA card acceptance is managed directly by Square. You'll need to contact Square to ensure your account is configured before accepting these payments through Practice Better.
For details on eligibility and setup, visit Square's help page on accepted cards, including HSA and FSA cards →