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.
Selected Partners
Sika UI mockup

The API-first HSA/FSA payment integration that unlocks more than $150B in new spending

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

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!

Guaranteed Compliance

We handle the back-office regulatory work to ensure qualifying products are 100% eligible with all major HSA/FSA administrators.


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)

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’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.

Does Sika Health handle any necessary compliance?

Yes! With Sika, you don't ever have to worry about compliance again. Now shoppers can pay with HSA/FSA in seconds, and you can get back to doing what you do best.

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

Sika works with many e-commerce platforms out of the box. Installation can take as few as 20 minutes! If you have a Custom checkout, we offer white-glove installation as well. Whatever your needs, we will help you be successful!

Get started

Ready to find out more? Sign up below to start your Sika Health HSA/FSA payment journey.
© Sika Health 2023. All rights reserved.