Accept HSA, FSA & HRA cards
Healthcare benefit cards (HSA, FSA, HRA) are debit or prepaid cards tied to tax-advantaged accounts that employees use to pay for qualified medical expenses. Each card type has different ownership and funding rules.
| Card type | Name | Ownership | Funding | Regulation |
|---|---|---|---|---|
| HSA | Health Savings Account | Employee-owned | Employee-funded | IRS-regulated |
| FSA | Flexible Spending Account | Employer-owned | Employee-funded | IRS-regulated |
| HRA | Health Reimbursement Arrangement | Employer-owned | Employer-funded | IRS-regulated |
Merchant types
There are two categories of merchants that can accept healthcare benefit cards through Moov: Healthcare MCCs (merchant category codes) and 90% rule merchants. Each category has different requirements, as described in the sections below.
Healthcare MCCs
Healthcare MCCs include doctors, hospitals, pharmacies, and other healthcare providers whose primary merchant category code (MCC) is on the approved healthcare MCC list. Card issuers use auto-substantiation to approve FSA and HRA transactions at these MCCs, so no IIAS certification or SIGIS registration is required.
Accepted MCCs:
| MCC | Description |
|---|---|
| 4119 | Ambulance services |
| 5975 | Hearing aids — sales, service, and supply stores |
| 5976 | Orthopedic goods and prosthetic devices |
| 7277 | Counseling services — debt, marriage, and personal |
| 8011 | Doctors and physicians |
| 8021 | Dentists and orthodontists |
| 8031 | Osteopaths |
| 8041 | Chiropractors |
| 8042 | Optometrists and ophthalmologists |
| 8043 | Opticians, optical goods, and eyeglasses |
| 8049 | Podiatrists and chiropodists |
| 8050 | Nursing and personal care facilities |
| 8062 | Hospitals |
| 8071 | Medical and dental laboratories |
| 8099 | Health practitioners and medical services (not elsewhere classified) |
90% rule merchants
90% rule merchants are pharmacies and drug stores that derive 90% or more of their gross receipts from prescription (Rx) drugs and eligible medical expenses. Only merchants with MCC 5912 (drug stores and pharmacies) or MCC 5122 (drugs, drug proprietors, and druggist sundries) qualify.
Requirements for 90% Rule Merchants:
- Must have 90% or more of gross receipts from Rx and eligible medical expenses
- Must register with SIGIS (Special Interest Group for IIAS Standards) and pay the required membership fees
- Issuers maintain registered merchant lists; no auto-substantiation data is required in the transaction
Work with Moov to gather merchant identifiers required for registration:
| Identifier | Description |
|---|---|
| Mastercard Interbank Card Association (ICA) Number | A unique identifier of four to six digits assigned by Mastercard to identify all member activity |
| Visa Bank Identification Number (BIN) | A unique identifier of six to eight digits licensed by Visa to issuers |
| Mastercard Card Acceptor ID | A unique, alphanumeric identifier issued by Mastercard, up to 15 characters, which specifies a merchant terminal or merchant location |
| Visa Card Acceptor ID | A unique, alphanumeric identifier up to 15 characters, issued by Visa, which specifies a merchant terminal or merchant location |
| Merchant Category Code (MCC) | The merchant category code |
| Merchant ID | Moov account ID |
Get started
To begin accepting HSA, FSA, and HRA cards through Moov:
- Contact Moov to enable healthcare card acceptance for your account
- Provide your MCC and merchant type (healthcare MCC merchant or 90% rule merchant)
- If you are a 90% rule merchant, complete your SIGIS registration before processing healthcare card transactions
Annual registration
90% rule merchants are required to re-register annually per store location. SIGIS supports annual, online re-registration.
Failure to complete re-registration within 120 days of the end of the 90% rule merchant's taxable year will result in SIGIS automatically removing the merchant's acquirer identifier and merchant store identifier ID from the 90% rule list published to issuer processors.