The one-stop, fully-integrated HSA, FSA, and HRA payment solution

Accept HSA/FSA payments on your e-commerce store and unlock the billions of dollars sitting idly in HSA and FSA accounts today.
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The API-first HSA/FSA payment integration that unlocks more than $150B in new spending

Sika Health enables millions of online shoppers to confidently pay using their HSA/FSA funds as easily as spending with a gift card. No eligibility checks, receipts, or reimbursements - customers simply select the Sika Health payment method and enter their HSA/FSA card details. It's that easy!

Why Sika Health?

Encourage more than 61 million high-intent HSA/FSA account-holders to your online store. Close to $150B is contributed to these tax-free accounts every year.


See increased conversion and upsell from customers who have money sitting idly in their HSA/FSA accounts. These are dollars that have already been paid!


Enable shoppers to purchase using their health wallets directly from you rather than from third-parties. This enables positive brand loyalty and better ownership of your customer journey.

Baskets without Sika Health
Baskets with Sika Health

Case Study: 30% increase in basket size

Since implementing Sika Health, an online feminine care company has seen shoppers utilizing HSA/FSA funds spend more than 30% more in their baskets compared to regular credit/debit card shoppers. This company tells us this is due to their customers considering their HSA/FSA funds as “already spent” and are therefore willing to buy more items to ensure the funds are not lost.

Eligible Inventory Management

Our IIAS-software-as-a-service directly integrates with your existing inventory management system to update HSA/FSA product eligibility in real-time and ensure water-tight regulatory and tax compliance.

Online Payments

We offer a secure, PCI compliant, and fraud-secured e-commerce payment gateway, that allows you to accept HSA/FSA payments directly at the point of sale.

Letter of Medical Necessity

We provide all necessary compliance documentation including a Letter of Medical Necessity for dual-purpose purchases like vitamins and fitness equipment - it’s like getting a Doctor’s Note right at checkout! (in beta)

Guaranteed Compliance

We handle the back-office regulatory work with the IRS & SIGIS to ensure qualifying products are 100% eligible and auto-substantiated.


We help drive traffic to your store via our online marketplace, so consumers know exactly where to spend their unused HSA/FSA funds.

Split tender

Easily handle mixed eligibility carts by accepting multiple payment methods for an order via a single, seamless payment experience.

Our proprietary eligibility and payment solution* will get you running in hours not months (*patent pending)
Selected Partners

Frequently asked questions

Why should I use Sika Health to accept HSA/FSA payments?

Sika Health makes the entire process of accepting HSA/FSA payments simple and easy, without sacrificing compliance! When you install the Sika Health payment method, your customers can pay using their HSA/FSA debit cards in seconds and with the certainty that the transaction will go through. No more card declines, and no more headaches!

I’m a healthcare company that processes HSA/FSA cards already today — what is Sika Health doing differently?

We work with many retailers who previously processed HSA/FSA cards on their own, but made the switch to Sika for a more seamless customer experience and to adhere with the latest compliance guidelines. Specifically, companies billing HSA/FSA cards for anything other than check-ups and co-pays are actually required to have an inventory management system (IIAS) or use a Third Party Servicer (TPS). That requirement applies to retailers of glasses, sunscreens, hearing aids, exercise equipment, and more. In fact, the IRS recently called for more audits of HSA/FSA purchases from healthcare service providers related to this very issue - See IRS Memorandum. With Sika, there's no need to change your Merchant Category Codes (MCC) to work around this — any business can compliantly accept these regulated funds with the correct infrastructure, processed through our platform.

How does Sika Health handle necessary compliance?

Compliance is the backbone of our offering. We are a SIGIS-certified TPS (Third Party Servicer), meaning all payments processed through Sika Health are guaranteed eligible and require no receipt substantiation. With Sika, customers  shop with the certainty that their payments will be approved, with no need for receipt filing or reimbursement.

I’ve heard that mattresses and massages are HSA/FSA eligible. Is that true?

Yes! From mattresses to skincare, supplements to fitness equipment, there’s a slew of products that shoppers can purchase with their HSA/FSA funds. Sika Health’s team of medical and legal experts work with the IRS and regulatory agencies to determine the eligibility of the specific products in your portfolio on an ongoing basis. There’s no need for you to do any work whatsoever. This is all part of our offering.

Let’s do this! How easy is it to integrate with Sika Health?

Sika Health works with many e-commerce platforms out of the box such as Shopify and WooCommerce. If you have a Custom checkout, we offer white-glove installation as well. Whatever your needs, we will help you be successful!

Get started

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