Your patients want to pay with their health benefit cards. Helcim lets you take HSA and FSA cards right alongside credit, debit, and ACH — in person, online, or over the phone — with transparent wholesale pricing and zero monthly fees.
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
sitting in U.S. Health Savings Accounts at the end of 2025
HSA accounts open today — plus millions more FSAs
where the HSA market is projected to land by 2028
They're payment cards loaded with pre-tax dollars that people set aside for healthcare. The short version: they look, swipe, and tap like a normal card — they're just funded a little differently.
Health Savings Account
Owned by the individual · paired with a high-deductible health plan
Flexible Spending Account
Set up through an employer · funded from each paycheck
The good news for your checkout:
with Helcim, accepting a health card is exactly as seamless as accepting any other card. Most HSA and FSA cards are Visa or Mastercard, so they tap, dip, and process through the same flow your team already uses — no separate system, no extra steps.
When a patient pulls out an HSA or FSA card and you can't take it, you don't just lose a smooth checkout — you risk losing the visit. Here's what accepting them does for your practice.
Collect right at checkout instead of sending patients off to file their own reimbursement — and chasing the balance later.
Shoppers abandon checkout when their preferred payment method isn't offered. Take the card they came in planning to use.
An easy, no-friction payment experience is one more reason patients come back — and don't shop around for another provider.
Tens of millions of funded accounts and billions in balances are looking for eligible places to spend. Be one of them.
From national pharmacies to delivery apps, large brands now take health cards. Independent practices can offer the same convenience.
Take HSA, FSA, credit, debit, and ACH in the same Helcim account — no bolt-on tools, no second login, no extra reconciliation.
Helcim was built for businesses that are tired of hidden fees and fine print. You get wholesale Interchange Plus pricing, automatic volume discounts as you grow, and a real person on the phone when you need one.
Interchange Plus pricing — the real network cost plus one clear margin. No mystery tiers.
View pricing
No subscriptions, no PCI fees, no surprises. You only pay when you process.
The highest security tier in the industry, with Business Associate Agreements available on request.
Process more and your rates automatically drop — no calls, no renegotiating.
Reach a knowledgeable person by phone in hours, not days. No bots gatekeeping your money.
Eligible merchants get next-business-day deposits at no extra cost. Keep your cash flow healthy.
Most healthcare practices are ready to accept HSA and FSA cards the moment their account is live.
Sign up online in about five minutes — no paperwork, no signatures, no setup fee. Order a card reader or Smart Terminal if you take payments in person.
If your business falls under an approved healthcare category, HSA/FSA acceptance is already on. Pharmacies and drugstores complete a quick SIG-IS self-attestation.
Take HSA and FSA cards in person, online, or over the phone — right next to credit, debit, and ACH — all from one Helcim dashboard.
A quick word on eligibility
Acceptance depends on your Merchant Category Code (MCC). Most licensed healthcare providers are approved automatically. Pharmacies and drugstores (MCC 5912 / 5122) process under SIG-IS registration with the 90% exemption. In person, chip cards are inserted and non-chip cards are swiped; online and over the phone, HSA/FSA works for Visa and Mastercard when the issuer supports it. See the full details in our help guide on enabling HSA/FSA payments.
Acceptance is tied to your Merchant Category Code (MCC). Licensed healthcare providers — dentists, chiropractors, optometrists, mental health professionals, veterinarians, medical practices and more — are typically approved to accept these cards automatically. Pharmacies and drugstores (MCC 5912 and 5122) can process them once registered with SIG-IS under the 90% exemption.
If your business is in an approved healthcare MCC, you're already set — there's nothing extra to enable. If you're a pharmacy or drugstore, you'll complete a short SIG-IS self-attestation inside your Helcim account. Full steps are in our help guide.
An MCC is the code that classifies your business type to the card networks. SIG-IS (the Special Interest Group for IIAS Standards) helps merchants comply with network rules for health cards. The 90% exemption lets qualifying pharmacies and drugstores attest that at least 90% of their sales are eligible healthcare products and services, so they can accept HSA/FSA cards.
Yes. HSA and FSA cards can be processed through the Virtual Terminal or your online store as long as they're a Visa or Mastercard and the card issuer supports card-not-present payments. In person, chip cards are inserted into the reader and non-chip cards are swiped.
Yes. Helcim operates a rigorous HIPAA compliance program and is a PCI Level 1 service provider — the highest security tier in the industry. Business Associate Agreements (BAAs) are available to healthcare merchants on request. You can review the full audit report at our Trust Centre.
HSA and FSA cards are priced like any other Visa or Mastercard transaction under Helcim's transparent Interchange Plus model — with no monthly fees, no contracts, and automatic volume discounts as you grow. Healthcare businesses save 24% on average after switching. See our pricing page for your custom rate.
Create your free Helcim account in minutes — no paperwork, no commitments, no games.
