Checkout
Checkout
An End-to-End HSA/FSA Payments Solution
An End-to-End HSA/FSA Payments Solution
An End-to-End HSA/FSA Payments Solution
Flex Checkout lets health & wellness brands accept HSA and FSA cards directly at checkout unlocking new revenue and higher conversion rates—no paperwork, no reimbursements.
Flex Checkout lets health & wellness brands accept HSA and FSA cards directly at checkout unlocking new revenue and higher conversion rates—no paperwork, no reimbursements.
Flex Checkout lets health & wellness brands accept HSA and FSA cards directly at checkout unlocking new revenue and higher conversion rates—no paperwork, no reimbursements.
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
Conversion Lift
+30%
More shoppers complete checkout with HSA/FSA
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
AOV LIFT
+50%
Customers spend more using health benefit funds
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Fewer Returns
-10%
Fewer returns when buyers use pre-tax dollars
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Repeat Buyers
+92%
Of surveyed customers said they'll return because of HSA/FSA
Benefits
Benefits
Flex HSA/FSA Checkout removes friction and increases revenue
Boost checkout conversion with instant HSA/FSA payments
Customers pay directly with their HSA/FSA cards—no claims, no waiting—reducing friction and abandoned carts
Boost checkout conversion with instant HSA/FSA payments
Customers pay directly with their HSA/FSA cards—no claims, no waiting—reducing friction and abandoned carts
Boost checkout conversion with instant HSA/FSA payments
Customers pay directly with their HSA/FSA cards—no claims, no waiting—reducing friction and abandoned carts
Reduce compliance risk with automated IRS verification
Every transaction is validated automatically against IRS rules, eliminating manual review and keeping your program compliant at scale.
Reduce compliance risk with automated IRS verification
Every transaction is validated automatically against IRS rules, eliminating manual review and keeping your program compliant at scale.
Reduce compliance risk with automated IRS verification
Every transaction is validated automatically against IRS rules, eliminating manual review and keeping your program compliant at scale.
Capture more revenue by supporting any payment scenario
Split tender, subscriptions, discounts, and promo codes all work seamlessly so customers never hit a dead end.
Capture more revenue by supporting any payment scenario
Split tender, subscriptions, discounts, and promo codes all work seamlessly so customers never hit a dead end.
Capture more revenue by supporting any payment scenario
Split tender, subscriptions, discounts, and promo codes all work seamlessly so customers never hit a dead end.
Lower operational overhead with automated payment workflows
Refunds, disputes, receipts, and reconciliation are fully automated, saving time for support, operations, and finance teams.
Lower operational overhead with automated payment workflows
Refunds, disputes, receipts, and reconciliation are fully automated, saving time for support, operations, and finance teams.
Lower operational overhead with automated payment workflows
Refunds, disputes, receipts, and reconciliation are fully automated, saving time for support, operations, and finance teams.
How it works
How it works
HSA/FSA Payments with Flex Checkout
Always Eligible
Dual Purpose
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose to Pay with HSA/FSA (Flex)
Step 3
Customers enter their HSA/FSA card details and complete the purchase instantly
Always Eligible
Dual Purpose
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose to Pay with HSA/FSA (Flex)
Step 3
Customers enter their HSA/FSA card details and complete the purchase instantly
Always Eligible
Dual Purpose
Step 1
Shoppers browse your website and look for products eligible to purchase with HSA/FSA
Step 2
At checkout, they choose to Pay with HSA/FSA (Flex)
Step 3
Customers enter their HSA/FSA card details and complete the purchase instantly
Features
Features
An End-To-End HSA/FSA Payments Checkout Solution
Flex Checkout handles every part of the HSA/FSA payment experience from the moment a shopper enters checkout to final settlement. Our end-to-end infrastructure powers HSA/FSA card payments, automated IRS compliance, post-purchase workflows, and clean financial reporting—so you can run your HSA/FSA channel with zero manual effort.
Checkout & Conversion
Checkout & Conversion
Power your checkout with a frictionless HSA/FSA experience
Accept HSA/FSA cards directly at checkout and support split payments, subscriptions, and discounts—all in one seamless flow designed to convert more shoppers.
HSA/FSA Payments
Accept HSA/FSA cards directly at checkout, eliminating reimbursements and paperwork.
HSA/FSA Payments
Accept HSA/FSA cards directly at checkout, eliminating reimbursements and paperwork.
HSA/FSA Payments
Accept HSA/FSA cards directly at checkout, eliminating reimbursements and paperwork.
HSA/FSA Payments
Accept HSA/FSA cards directly at checkout, eliminating reimbursements and paperwork.
Complex Payments
Handle real-world checkout scenarios with flexible logic for partial and split payments, subscriptions, coupons, discounts, and promo codes.
Complex Payments
Handle real-world checkout scenarios with flexible logic for partial and split payments, subscriptions, coupons, discounts, and promo codes.
Complex Payments
Handle real-world checkout scenarios with flexible logic for partial and split payments, subscriptions, coupons, discounts, and promo codes.
Complex Payments
Handle real-world checkout scenarios with flexible logic for partial and split payments, subscriptions, coupons, discounts, and promo codes.
Payment Links
Generate shareable links to enable HSA/FSA payments without full checkout integration.
Payment Links
Generate shareable links to enable HSA/FSA payments without full checkout integration.
Payment Links
Generate shareable links to enable HSA/FSA payments without full checkout integration.
Payment Links
Generate shareable links to enable HSA/FSA payments without full checkout integration.
Credit Card Payments
Let customers pay with traditional credit or debit cards alongside HSA/FSA funds in one unified flow.
Credit Card Payments
Let customers pay with traditional credit or debit cards alongside HSA/FSA funds in one unified flow.
Credit Card Payments
Let customers pay with traditional credit or debit cards alongside HSA/FSA funds in one unified flow.
Credit Card Payments
Let customers pay with traditional credit or debit cards alongside HSA/FSA funds in one unified flow.
Transaction Processing
Transaction Processing
Built-in, intelligent, and automated compliance processing
Transactions are validated against IRS rules while taxes, shipping, and eligible totals are calculated automatically.
Auto-substantiation
Automatically validates every transaction against IRS rules to ensure compliance without slowing checkout.
Auto-substantiation
Automatically validates every transaction against IRS rules to ensure compliance without slowing checkout.
Auto-substantiation
Automatically validates every transaction against IRS rules to ensure compliance without slowing checkout.
Auto-substantiation
Automatically validates every transaction against IRS rules to ensure compliance without slowing checkout.
Tax Rates
Correctly calculates and applies taxes for eligible and dual-purpose purchases.
Tax Rates
Correctly calculates and applies taxes for eligible and dual-purpose purchases.
Tax Rates
Correctly calculates and applies taxes for eligible and dual-purpose purchases.
Tax Rates
Correctly calculates and applies taxes for eligible and dual-purpose purchases.
Shipping Rates
Incorporate shipping costs while preserving compliance accuracy for each order.
Shipping Rates
Incorporate shipping costs while preserving compliance accuracy for each order.
Shipping Rates
Incorporate shipping costs while preserving compliance accuracy for each order.
Shipping Rates
Incorporate shipping costs while preserving compliance accuracy for each order.
Post-Purchase
Post-Purchase
Everything after checkout, handled automatically
Invoices, refunds, and disputes run on autopilot, reducing operational lift and improving customer experience.
Invoices
Automatically generate itemized, IRS-compliant receipts for every order.
Invoices
Automatically generate itemized, IRS-compliant receipts for every order.
Invoices
Automatically generate itemized, IRS-compliant receipts for every order.
Invoices
Automatically generate itemized, IRS-compliant receipts for every order.
Refunds
Process partial or full refunds while maintaining accurate HSA/FSA compliance.
Refunds
Process partial or full refunds while maintaining accurate HSA/FSA compliance.
Refunds
Process partial or full refunds while maintaining accurate HSA/FSA compliance.
Refunds
Process partial or full refunds while maintaining accurate HSA/FSA compliance.
Disputes
Streamline chargebacks and dispute resolution on HSA/FSA transactions with automated documentation and workflows.
Disputes
Streamline chargebacks and dispute resolution on HSA/FSA transactions with automated documentation and workflows.
Disputes
Streamline chargebacks and dispute resolution on HSA/FSA transactions with automated documentation and workflows.
Disputes
Streamline chargebacks and dispute resolution on HSA/FSA transactions with automated documentation and workflows.
Reconciliation & Payouts
Reconciliation & Payouts
Fast payouts and clean financial data for your finance team
Reliable settlement and export-ready payout reports make reconciliation simple.
Payouts
Receive fast, transparent settlement of HSA/FSA funds directly to your bank account via Stripe.
Payouts
Receive fast, transparent settlement of HSA/FSA funds directly to your bank account via Stripe.
Payouts
Receive fast, transparent settlement of HSA/FSA funds directly to your bank account via Stripe.
Payouts
Receive fast, transparent settlement of HSA/FSA funds directly to your bank account via Stripe.
Payroll & Finance Integration
Export clean payout and fee data to your finance systems—no manual stitching or spreadsheets needed.
Payroll & Finance Integration
Export clean payout and fee data to your finance systems—no manual stitching or spreadsheets needed.
Payroll & Finance Integration
Export clean payout and fee data to your finance systems—no manual stitching or spreadsheets needed.
Payroll & Finance Integration
Export clean payout and fee data to your finance systems—no manual stitching or spreadsheets needed.
Testimonials
Testimonials
Why brands love Flex
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder
“The integration was smooth from start to finish. The Flex team was incredibly responsive and supportive, and their marketing guides helped us optimize the experience from day one.”
Emillee Simon
Senior Manager of E-Commerce, Kindred Bravely
"Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy."
Alex Burcham
Marketing Manager, Chilipad
“The marketing materials Flex provided were phenomenal. We used their landing page and email examples as inspiration, layered in our branding, and saw campaigns perform better than almost anything else.”
Paige Smith
Head of Brand Marketing, AMMD by Amy Myers MD
“Absolutely, I’d recommend Flex. It’s a user-friendly platform backed by an amazing, knowledgeable team. They make a complex process — both technically and financially — feel easy. And the results speak for themselves.”
Harry Yu
Senior Brand & Partnerships Manager, Airdog
"The Flex integration through RevenueCat made it simple for Ladder to offer subscriptions via HSA and FSA cards — a major unlock for our users and an effective new growth lever. "
Ryan Mott
VP of Data Product at Ladder