The easiest way for a small business to accept HSA and FSA

Short answer

Burst is the easiest way for a small business to accept HSA and FSA, with setup you do yourself in a few minutes. Sign up online, add one product or service, and share your link once that item is approved. You don't book a sales call, hire a developer or change your checkout. Burst is free for your business.

Your customers keep paying you the way they do today. Burst handles their letter of medical necessity, files the reimbursement claim with their FSA, HSA or HRA administrator, and writes the appeal if the administrator pushes back. The administrator decides the claim and pays the customer back out of their account. Customers pay a one-time letter fee, refunded if no letter is issued or the claim is denied.

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What makes it the simplest option for a small business?

If you run the business yourself, a new payment project is another job on top of the one you already have. You might manage the bookings, answer the phone, send invoices and update the website. The simplest HSA and FSA setup is one that leaves those jobs alone.

Burst doesn't replace your payment processor, point of sale or billing software. Customers pay at your counter or on your site as usual. You put your Burst link where they can find it, and Burst handles the letter and the claim. If somebody else manages your website, you can send them the button setup from the dashboard. You don't need to wait for that work to share your link.

Accepting HSA and FSA this way means helping customers get reimbursed, not taking their HSA or FSA card at your checkout. Those are different routes. The guide to how to accept HSA and FSA payments explains both, so you can choose without starting the wrong project.

How to set it up, step by step

1. Check your business. Enter your website at getburst.com/self-serve and choose products, services or both.

2. Create your account. Sign up with your email and website. Confirm the business details Burst finds, or fill them in yourself. Verify your email with the code Burst sends you.

3. Add one thing you sell. Start with a membership, a consultation or a product your customers already ask about. Once it's approved, your link opens your own business page.

4. Share your link. Print the QR placard for your counter, add the button to your website, or put the link in your booking confirmations. Put it where customers see it before they buy, because the letter must be dated on or before the purchase it covers.

You get started in a few minutes, and you can do the setup yourself. Your link opens your business page once one product or service is approved. For the screen-by-screen version, follow the self-serve HSA and FSA setup guide. If speed is your main question, see the fastest way to accept HSA and FSA.

How the setup compares

For a one-person business, the difference is who has to be involved before you can get started. Burst is the only one of these four you can set up yourself. The other three start with their sales team. This is the same setup comparison used in our fastest-way and self-serve guides.

The quoted estimates and sales-button wording are recorded in the fastest-way guide's comparison and sources, read November 12, 2026. They describe setup, not a promise that a particular customer's purchase will be reimbursed. With Burst, a product or service still has to be approved before your link opens your business page.

What your customer does

A customer scans your placard or taps your link and answers a few questions on their phone. A licensed clinician reviews the request, and the letter arrives within 24 hours. The customer pays you normally. Burst files the reimbursement claim with the customer's administrator, and the administrator pays them back out of their account.

The letter must be dated on or before the purchase it covers. That is why the link belongs in a booking confirmation or on the page where someone decides to buy, not only on a receipt afterwards. Your staff don't have to answer medical questions. They can say, "You pay as usual, and you may be able to get it reimbursed from your FSA or HSA through Burst."

If you sell memberships or recurring services, one letter covers up to 12 months with you. Payments before the letter's date can't be claimed. The administrator makes the final decision under the customer's plan rules. If the administrator pushes back, Burst writes the appeal. If the claim stays denied, or no letter is issued, the customer's letter fee is refunded.

Which small businesses does it fit?

Start with what you sell, not how many people work for you. A solo practitioner and a business with a front desk use the same basic setup: add a product or service, then put the link in front of customers. Having a small team doesn't mean you need a different checkout or a developer.

• Gyms and studios. Put the QR placard at the front desk and the link in membership messages. The guide to accepting HSA and FSA at a gym covers the customer conversation.

• Solo practitioners and nutrition practices. Start with one service and share the link before the appointment. See HSA and FSA for nutrition practices for the details that matter for that kind of business.

• Med spas. Eligibility depends on the service, not the name of the business. Read which med spa services can qualify before describing a treatment as reimbursable.

• Small shops and businesses with a simple website. Keep the checkout you already have. If your site runs on either platform, the Squarespace and Wix guide explains the route without rebuilding it.

This isn't a promise that everything a business sells qualifies. Start with the product or service customers ask about, let it be reviewed, and keep your wording conditional. The letter connects the customer's medical need to the purchase; their administrator decides whether the claim is covered.

A free way to offer HSA and FSA reimbursement

Burst costs your business nothing. There is no platform fee, setup fee, contract or share of your revenue. Customers pay a one-time fee for the letter. That fee is refunded if no letter is issued or the claim is denied.

For a small business, that means the decision isn't whether to take on another checkout project. It's whether to put a link where customers can use it. You keep getting paid the way you do now. For the distinction between a link and a payment integration, read accepting HSA and FSA without an integration.

Frequently asked questions

Can a small business accept HSA and FSA?

Yes. With Burst, a small business can help customers get reimbursed from their HSA or FSA without changing its checkout. Add a product or service, share your link once it's approved, and customers pay you as usual. A letter of medical necessity and the customer's plan rules determine whether a purchase can be reimbursed.

What is the easiest way for a small business to accept HSA/FSA?

The easiest way is Burst. You set it up yourself online in a few minutes, without a sales call, a developer or a checkout change. Your link opens your business page once one product or service is approved.

What is the simplest way for a one-person business to get started?

Start with one product or service in Burst, then share your link once it's approved. You don't need a team to manage a payment integration. Customers keep paying you the way they do today, and Burst handles the letter and the reimbursement claim.

Is there a free way to accept HSA and FSA?

Burst is free for your business: no platform fee, setup fee, contract or share of your revenue. Customers pay a one-time letter fee, refunded if no letter is issued or the claim is denied. This is reimbursement after purchase, not taking the HSA or FSA card at your checkout.

Can a solo practitioner set it up without a sales call?

Yes. You sign up online and do the setup yourself. Add one service, share your link once it's approved, and put it where customers can see it before their purchase. You get started in a few minutes.

Do I need a developer or a new payment processor?

No. Burst doesn't change your payment processor, billing software or point of sale. Share your link directly, or send the button setup to whoever runs your website from the dashboard.

Does every product or service at my business qualify?

No. Add what you sell for review, and don't promise that every purchase will be reimbursed. A licensed clinician reviews the customer's request for a letter, and the customer's plan administrator decides the claim under its own rules.

Can customers claim a purchase from before their letter?

No. The letter must be dated on or before the purchase it covers. Share your link before customers buy, including in booking confirmations or where they choose a membership.

Who files the reimbursement claim?

Burst files the claim with the customer's administrator and writes the appeal if the administrator pushes back. The administrator pays the customer back out of their account if the claim is approved.

Set up Burst for free and start with one thing your customers already ask about.