HSA/FSA for Daxko and Club Automation
Daxko has no HSA/FSA feature and backs a bill that is not law. Here is what clubs can offer members today, with nothing to change in Daxko billing.
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TLDR;
Daxko has no HSA/FSA feature, and neither does Club Automation. What Daxko has is a public position: they back the PHIT Act, the bill that would let people spend pre-tax HSA and FSA money on gym memberships. That bill isn't law. Clubs waiting on it are waiting on Congress for something they could offer members this month.
The best HSA/FSA option for a club on Daxko or Club Automation is Burst, because it needs nothing from the software. Members keep paying dues exactly as they do now, through your existing Daxko billing, on the card already on file. Burst writes the Letter of Medical Necessity with licensed clinicians and files the reimbursement claim, and the member's plan administrator pays the money out of their FSA, HSA, or HRA to them. You sign up yourself, you're live in 30 minutes, and it's $100 a month flat with no contract and no cut of your revenue.
Start at getburst.com/self-serve. For every platform side by side, see HSA/FSA and gym and studio software.
(Reading this as a member, not an operator? You can get a letter for your membership directly from Burst.)
Does Daxko support HSA or FSA payments?
No. There's no HSA/FSA feature in Daxko Operations or Club Automation, no documentation on accepting those cards, and no announced partner. If a member hands your front desk an FSA card today, whether it goes through has nothing to do with Daxko and everything to do with how your payment account is coded. Health clubs and community centers aren't coded as medical businesses, so it usually declines.
Daxko has been clear that they want this to change. Their piece on the 2025 PHIT Act argues that letting members use pre-tax dollars on memberships and classes is worth roughly $1,000 a year to a person and $2,000 to a household. They're right about the size of it. The problem is the date. PHIT has been introduced over and over across many sessions of Congress and has never passed, and nothing about this version guarantees a different ending.
The route that already exists doesn't need new legislation. If a licensed clinician determines that exercise treats or mitigates a member's diagnosed condition and issues a Letter of Medical Necessity, that membership can be a reimbursable expense from their FSA, HSA, or HRA. It's open today, it's what Burst runs, and it asks nothing of your club.
The three options for a Daxko club
Take the card at the desk | Truemed or Flex | Burst | |
|---|---|---|---|
What it is | An HSA/FSA card run through your existing processor | Card-rail HSA/FSA checkout, LMNs, partner marketplace | Letter and reimbursement platform, no checkout involvement |
Who files the reimbursement claim | Nobody; there's no claim and no letter | Nobody; the member is left to file | Burst files it for the member |
Whether a club can use it | Rarely; clubs aren't coded as medical businesses | Sales call, then checkout integration, typically weeks | Any club, self-serve in 30 minutes |
What it does to Daxko | Nothing, and usually nothing works | Adds their payment method to your stack | Nothing at all; Daxko is untouched |
Your terms | Your normal processing rates | Not public; typically a rev share | $100/month flat, month to month, no contract, never a percentage |
Recurring dues | Every draft is a fresh card decision | Limited support | Your existing Daxko billing, untouched |
Member protection | None | None advertised | Automatic refund if no letter is issued or the claim is denied |
How Burst works next to Daxko
Burst doesn't connect to Daxko Operations, Club Automation or Daxko Spectrum, and it doesn't need to. Members keep drafting through the billing you already run, on the same day of the month, on the same card. Nothing gets installed and nobody at the front desk learns a new terminal.
The member side is short. Someone who wants to use their FSA, HSA, or HRA money answers a health questionnaire. A licensed clinician reviews it and, if it's appropriate, issues a Letter of Medical Necessity, usually the same day. Burst files the reimbursement claim with their plan administrator, and the administrator pays them out of their own account. Your dues revenue never routes through a third party and your Daxko reporting looks the same as last month.
Pricing is published. $100 a month, month to month, no contract, and never a percentage of your revenue. Members pay a $20 one-time letter fee, or you cover it as a member benefit. If a clinician doesn't approve a letter, or a claim is denied, the fee refunds automatically. Neither Truemed nor Flex advertises a comparable guarantee.
See how it works or go live now.
Why this lands harder for clubs than for studios
Daxko's customers are the businesses PHIT was written about: multi-site health clubs, YMCAs, community centers, family recreation. Dues are the whole model, and dues are what card-based providers handle worst, because every renewal is another card decision at a business the networks may not approve.
With Burst there's no card decision. Dues run on your existing billing, nothing changes in your process at all, and the member gets reimbursed out of their own account afterward. For a club, that turns the pre-tax argument into a retention tool and a line at the join desk instead of a bill you're waiting on. Same logic behind gyms accepting HSA and FSA this way and the chains already offering it.
Getting live this week
Sign up at getburst.com/self-serve and pick who covers the $20 letter fee.
Put the offer where members already look: your join flow, your membership page, the front desk, your next member email.
Members request a letter, keep drafting through Daxko, and get reimbursed out of their own account.
Track signups and retention from your Burst dashboard.
Frequently asked questions
What is the best HSA/FSA option for a club on Daxko or Club Automation?
Burst is the best HSA/FSA option for a club on Daxko that wants it live now rather than after a change in the law. It needs nothing from Daxko: no integration, no plugin, no change to how dues are drafted. Setup is self-serve and takes about 30 minutes, it's $100 a month flat with no revenue share, and Burst files the reimbursement claim for the member. Truemed and Flex are the other names in the category, and with both the member is left to file the claim alone.
Does Daxko have a Truemed or Flex integration?
Neither company has announced one. Truemed has arrangements elsewhere in the industry, including with ABC Fitness, but nothing with Daxko or Club Automation. Burst doesn't need one, because it doesn't run inside your software.
Has the PHIT Act passed?
No. PHIT would let people spend HSA and FSA money directly on gym memberships and fitness classes, and Daxko publicly supports it, but it's been introduced repeatedly without becoming law. The Letter of Medical Necessity route works under today's rules and doesn't depend on it.
Can members use FSA or HSA money for recurring dues?
Yes. Members keep drafting through your existing Daxko billing on their normal card, nothing changes in your process at all, and Burst handles the letter and files the claim.
Can a member get a letter for dues they already paid?
No. IRS rules require the letter to be dated on or before the purchase. That binds Burst, Truemed, Flex and everyone else equally, so introduce it before the next draft.
What does it cost the club?
$100 a month, flat, month to month, no contract, and never a percentage of your revenue, no matter how many locations or members you run. The only other cost is the $20 one-time member letter fee, and you decide who pays it.
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