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FSA/HSA
Support for FSA/HSA (Flexible Spending Account / Health Savings Account) cards is available for merchants on the Tsys platform.
Pre-Requisites
The merchant should be set up to process on the Tsys platform. They should be submitting transactions via the Payment API. They should be ready to process using Visa and Mastercard.
The merchant should have a healthcare-related Merchant Category Code (MCC), including:
- Most Medical Offices and Hospitals (8011, 8021, 8031, 8041, 8042, 8043, 8049, 8050, 8062, 8071, 8099)
- Health Related Education (8299)
- Pharmacies/Drug Stores (5912/5122)
- Hearing Aids (5975)
- Ambulance Services (4119)
Exact eligibility will depend on the individual plans.
Merchant Configuration
The merchant's account must be configured by the partner to indicate how the merchant determines eligibility for FSA/HSA expenditures. Options include:
- The merchant uses an IIAS to validate purchases
- The merchant does not use an IIAS to validate purchases
- The merchant is exempt from the validation requirements because 90% of their sales are of approved health products (90% rule)
This is specified by providing the "FSA/HSA Substantiation Indicator".
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When a merchant is configured by the API, the FSA/HSA Substantiation Indicator is sent in id51:
0corresponds to "Did not verify against IIAS"1corresponds to "Verified against IIAS"2corresponds to "Exempt by 90 Percent Rule'- An empty string or other value represents "N/A".
Per Transaction Configuration
Transactions that use a FSA or HSA card need to be tagged to indicate they contain healthcare expenses. This is performed by adding variables to the API requests
| Field Name | Meaning | Card Brands |
|---|---|---|
fsa_amount_healthcare | Total amount devoted to health-care spend. Will typically be the total transaction amount on FSA/HSA purchases. Required for most FSA/HSA transactions. | Visa, MC |
fsa_amount_vision | Total amount spent on vision services. May be sent in lieu of fsa_amount_healthcare | Visa only |
fsa_amount_rx | Amount of the total spend devoted to prescriptions | Visa, MC |
fsa_amount_clinic | Amount of the total spend for clinic services | Visa Only |
fsa_amount_dental | Amount of the total spend applied to dental services | Visa Only |
For example, a sale may include amount = 100.00, fsa_amount_healthcare = 100.00, fsa_amount_clinic= 40.00 and fsa_amount_rx for a $100 sale consisting of $40 of clinic services and $60 worth of prescriptions.
Response Data
FSA/HSA transactions return the same response and reporting structure as conventional credit card purchases.
Supported Devices (Card Present)
The following devices are supported for Cloud-based Card Present transactions:
- Link/2500
- Lane/3000
- Lane/3600
- Lane/5000
- Lane/7000
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Updated 6 months ago