---
updatedAt: 2026-02-27T15:26:52.000Z
agentTools:
  projectIndex: https://docs.nmi.com/llms.txt
---

# 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](../reference/create-sale-v5).  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".

![](https://files.readme.io/bcb96ed4d2ce7d765b74ca02aea3d1ca29a5c8706d2a44ad9997ba435070a215-image.png)

When a merchant is configured by the API, the FSA/HSA Substantiation Indicator is sent in `id51`:

* `0` corresponds to "Did not verify against IIAS"
* `1` corresponds to "Verified against IIAS"
* `2` corresponds 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.

<br />

### 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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