# Accept HSA, FSA & HRA cards

Healthcare MMCs and 90% Rule merchants can use Moov to accept healthcare benefit cards - HSA, FSA & HRA - issued on Visa and Mastercard networks.

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 |

HSA, FSA, and HRA card acceptance through Moov is available on **Visa** and **Mastercard** networks only.

## [Merchant types](#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)

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](https://www.sig-is.org) 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)

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](https://www.sig-is.org) (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](#get-started)

To begin accepting HSA, FSA, and HRA cards through Moov:

1. [Contact Moov](https://support.moov.io/) to enable healthcare card acceptance for your account
2. Provide your MCC and merchant type (healthcare MCC merchant or 90% rule merchant)
3. If you are a 90% rule merchant, complete your [SIGIS](https://www.sig-is.org) registration before processing healthcare card transactions

## [Annual registration](#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.