Paying for HSA and FSA-eligible purchases using Shop Pay

Some online stores let you use Shop Pay to buy eligible health-related products. These stores can offer a health savings account (HSA) or flexible spending account (FSA) checkout flow. You can pay with an HSA or FSA card, or use a standard credit card and request reimbursement from your HSA or FSA. HSA/FSA payments with Shop Pay are powered by Truemed, which reviews product eligibility and medical qualification for eligible purchases.

HSA/FSA payments aren't available for every store, product, or order.

Requirements for HSA and FSA payments

To use HSA/FSA payments with Shop Pay, the following requirements need to be met:

The store offers HSA/FSA payments with Shop Pay.
Your order contains eligible products.
You're logged in to Shop and check out with Shop Pay.
You use a supported HSA or FSA card, or a standard credit card for reimbursement.
The store is based in the United States, the checkout is in USD, and you're located in the United States.

You can't use HSA/FSA payments with Shop Pay for every type of purchase. HSA/FSA payments aren't available with Shop Pay Installments or subscriptions. Orders that include both eligible and non-eligible products aren't supported. To use HSA/FSA funds, remove the non-eligible products from your cart.

Check out with HSA or FSA payments

If HSA/FSA payment is available for your order, then the HSA/FSA funds option is displayed during Shop Pay checkout.

Steps:

At checkout, select Shop Pay.
Log in to Shop and complete Shop Pay verification.
Select I want to use HSA/FSA funds for this purchase when it's available.
Review your order.
Select Complete purchase. If your purchase requires a health survey, then select Continue to health survey instead.
If you selected Continue to health survey, then complete the survey. Your checkout continues automatically after you submit it.

Health surveys and Letters of Medical Necessity (LMNs)

Some HSA/FSA purchases require a short health survey before payment can be completed. The health survey is provided during the Shop Pay checkout flow. You have 72 hours to complete the survey. Your order is placed after you complete the survey.

If your purchase qualifies after review, then Truemed provides a Letter of Medical Necessity (LMN). An LMN is typically ready in about 4 hours. Depending on the time of day and your state, it can take 1–2 days. Your order might not ship until the qualification review is complete.

When your LMN is approved, you receive an email from Shop at the email address on your order. The email includes a link to log in to Truemed, where you can download your LMN. You need a Truemed account to download your LMN.

Troubleshooting HSA and FSA payment availability

If the HSA/FSA funds option isn't displayed during Shop Pay checkout, then your order doesn't meet the requirements for HSA/FSA payment with Shop Pay.

This can happen for the following reasons:

The store doesn't offer HSA/FSA payments with Shop Pay.
One or more products in your order aren't eligible.
Your order includes both eligible and non-eligible products.
Your order includes a subscription.
Shop Pay Installments is selected.
Your payment card isn't supported.
The store, checkout currency, or your location doesn't meet the requirements.

Rejected medical qualification

If your medical qualification isn't approved, then your order is canceled and your payment authorization is voided. You receive an email from the store that your order was canceled. For questions about your order, contact the store where you placed the order. For questions about your payment card, contact your card issuer.