The one-stop, fully-integrated
HSA & FSA payment solution

Accept HSA/FSA payments on your e-commerce store and unlock the billions of dollars sitting in HSA and FSA accounts today.
Built in partnership with

The API-first HSA/FSA payment integration that unlocks more than $175B in new spending

Sika Health enables millions of online shoppers to confidently pay using their HSA/FSA funds. Customers simply select the Sika Health payment method at checkout and enter their HSA/FSA card details.

Why Sika Health?

Encourage more than 70 million high-intent HSA/FSA account-holders to your online store. Close to $175B is contributed to these tax-free accounts every year.


See increased conversion and upsell from customers who have money sitting in their HSA/FSA accounts. These are pre-tax 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: 116% increase in average order value

Since implementing Sika Health, a hydration therapy company has seen that shoppers who utilize HSA/FSA funds spend more than 116% 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 looking to stock up on qualified items or upgrade to a higher-priced SKU to ensure their health funds are not lost. Sika supports merchants to create a commerce experience that supports easy payments, which in turn helps grow average order value.

Case Study: 75% decrease in return rates

A postpartum care company has experienced a 75% decrease in return rates from shoppers who pay with HSA/FSA funds, when compared with shoppers that spend with credit card and buy-now-pay-later methods. Sika Health's offering helps HSA/FSA shoppers to easily spend money that is often sitting idle in pre-tax benefit accounts. As a result, when shoppers spend with these accounts they are less likely to return the item since these are often "use-it-or-lose it" funds. Sika Health partners with merchants to ensure a seamless journey when spending these regulated health.

Returns without Sika Health

Returns with Sika Health

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.

Secured Online Payments

We offer a secured, PCI compliant e-commerce payment gateway so that you can accept HSA/FSA payments directly at the point of sale.

Letter of Medical Necessity

We provide access to a healthcare consultation to obtain a Letter of Medical Necessity (if appropriate) for dual-purpose purchases like vitamins and fitness equipment - it’s like getting a Doctor’s Note right at checkout! (in beta). LEARN MORE


We handle the regulatory effort to ensure qualifying products are eligible for HSA and FSA purchases and are auto-substantiated.

Premier Marketplace

Get listed in our premier brand marketplace to help drive traffic to your store. That way HSA/FSA shoppers can discover your brand and know how easy it is to spend their unused funds with you.

Split tender

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

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. When you install the Sika Health payment method, your customers can pay using their HSA/FSA debit cards right away.

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 required to implement and operate an inventory management system (IIAS). That requirement applies to retailers of glasses, sunscreens, hearing aids, exercise equipment, and more. In fact, the IRS recently called for 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 selling eligible items can compliantly accept these regulated funds through our platform.

How does Sika Health handle necessary compliance?

Compliance is the backbone of our offering. As a SIGIS member and Integrated Payment Provider, we help merchants navigate the latest industry standards to ensure proper certifications to accept HSA/FSA funds. When merchants compliantly accept HSA/FSA funds, their customers can shop with HSA/FSA cards without worrying about purchase eligibility. In the event that an HSA/FSA administrator requests additional substantiation, Sika will be there to support your customers.

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

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 appropriate authorities to determine the eligibility of the products in your portfolio on an ongoing basis. 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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