Re: Does Shopify Pay accept FSA and HSA credit cards? Our customers are getting declines.

Does Shopify Pay accept FSA and HSA credit cards? Our customers are getting declines.

susanstamper
Visitor
3 0 0

We sell glasses online. Some of our customers are getting declines if they use an FSA or HSA card at checkout. Does Shopify Payments accept these types of cards? If so, is there a special setting we need to use in order to allow our site to accept these forms a payment? 

 

Susan S

Controller

Replies 6 (6)

Shay
Shopify Staff (Retired)
3110 472 645

Hi @susanstamper 

 

Yes, you can accept HSA and FSA cards through Shopify Payments but this needs to be enabled by our authenticated support team. They will need to submit your updated Merchant Category Code with our payment partners. 

 

There are some important things to note when enabling this:

 

  • You need to have at least 90% of your sales as medical products. 
  • Once enabled, a customer would be able to check out using their HSA/FSA payment option even on non-medical products. 
  • You will need to provide a breakdown of sales by product type to submit to our payment partners and they will require regular reviews of the business to ensure continued eligibility. 
  • The IRS requires that buyers using an HSA/FSA payment card can account for (substantiate) their spending using the card. Some payment processors offer a service whereby payments can be 'auto-substantiated'. HSA/FSA payments made through Shopify Payments cannot be auto-substantiated.

If this sounds acceptable to you please reach out to our authenticated support channels through the Help Center and make this request. You can also reach out by replying to your most recent billing email with this request and your sale by product type breakdown.

Shay | Social Care @ Shopify 
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susanstamper
Visitor
3 0 0

I have attached a report showing 3 months of sales. Please note that we have 99.5% are all considered medical sales. The other categories are Accessories. 

Categories listed as Ladies, Mens, Unisex, Lens Enhancements are considered medical devices under our Medical Device Distributor License.

 

Please let me know if this will satisfy the requirements to start receiving HSA / FSA credit cards.

 

Susan Stamper

Controller

Shay
Shopify Staff (Retired)
3110 472 645

Thank you Susan for so quickly sharing that document. Unfortunately, our forum support is not able to authenticate merchant accounts so I won't be able to make that change for you.

 

You will need to reach out to our live support channels through the Help Center or reply back to your most recent billing email to request that this change be escalated. 

 

To contact our live support please follow this link: Shopify Help Center - Contact Support, sign into your store account, search for your issue and use the contact support button at the bottom of the search results to see all our live support options. 

Shay | Social Care @ Shopify 
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ThatGlassesGuy
New Member
4 0 0

Is this still the case? I can't seem to get through the auto chat bot to a human to get this process going. 

Shay
Shopify Staff (Retired)
3110 472 645

Hi @ThatGlassesGuy 

 

If you are connected to our AI Chat in the Help Center just let it know what your issue is and then use the "I still need help" option or type "Contact Support" into the chat. Follow the prompts to get connected. If you are experiencing any issues please share a screenshot of what you are seeing. 

Shay | Social Care @ Shopify 
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 - Was your question answered? Mark it as an Accepted Solution
 - To learn more visit the Shopify Help Center or the Shopify Blog

susanstamper
Visitor
3 0 0
ReadingGlasses.com does accept both FSA and HSA credit cards. Our customers have not let us know they have trouble with using their cards. Can you provide me with an example of a time where we had a decline?

Susan, Controller
ReadingGlasses.com