The fastest way to accept HSA and FSA

Short answer

The fastest way to accept HSA and FSA money at your business is Burst, and it's the only one you can set up yourself. You get started in a few minutes: sign up online, add one product or service, and share your link. You don't book a sales call, and nothing changes at your checkout. Burst is free for your business.

Your customers keep paying you the way they do today. Burst writes their letter of medical necessity, files the reimbursement claim with their FSA, HSA or HRA administrator, and the money comes back to their bank account. Customers pay a one-time fee for the letter, and it's refunded if no letter is issued or the claim is denied.

Set up Burst for free

How fast is it, step by step?

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

2. Create your account. Sign up with your email and your website. Burst looks up your business details, and you confirm them or fix them. You verify your email with a code.

3. Add one thing you sell. A membership, a consultation or a product from your shop. Start with the one customers ask about most.

4. Share your link. Once that item is approved, your link opens your own business page. Print the QR placard for your counter, add the button to your website, or put the link in your booking confirmations.

Sign-up takes a few minutes, and you can finish the first three steps in one sitting. The self-serve setup guide walks through each screen.

Why Burst is faster than adding a card checkout

To take the HSA or FSA card at checkout, you install a payment app or connect an API, and your catalog is reviewed for eligibility before the first customer can pay.

Burst skips the checkout work because it never touches your checkout. Customers pay with the card they already use, at your counter or on your site. Burst picks up after the sale with the letter, the claim, and the appeal if the administrator pushes back.

How Burst compares on speed and setup

Burst is the fastest of the four, and it's the only one you can set up yourself. The other three start with their sales team.

The quoted estimates come from Truemed's merchant launch page and Redo's store setup FAQ. The Flex estimate follows our published checkout comparison, because Flex's business page does not publish a setup time. All read November 12, 2026.

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. Burst files the claim with the customer's administrator, and the administrator pays the customer back out of their account. If the administrator pushes back, Burst writes the appeal.

If you sell memberships or anything else people pay for every month, the customers you already have can start today. Every payment from the letter's date forward can come back to them, and one letter covers up to 12 months with you. Payments before the letter's date can't be claimed, so the sooner they start, the more of this year it covers.

Where to put your link on day one

• At the counter or front desk. Print the QR placard and set it next to where people pay. There are guides for gyms, cycling studios and retail stores.

• On your website. Add the Burst button or popup. If someone else runs your site, the dashboard sends the setup to them. It works next to a Shopify checkout and on Squarespace or Wix.

• In messages you already send. Add the link to booking confirmations and receipts, and email your client list from the dashboard.

For wording that works on a sign or in an email, see how to promote HSA and FSA at your business.

Frequently asked questions

What is the fastest way to accept HSA and FSA?

The fastest way is Burst. You get started in a few minutes: sign up online yourself, add one product or service, and share your link. Truemed's published estimate is "under 7 days," Redo's is "under two weeks for most merchants," and Flex typically takes weeks, after a sales call and an integration. With Burst there's no sales call and no checkout work.

How long does Burst take to set up?

You get started in a few minutes. Your link opens your own business page as soon as one product or service in your catalog is approved.

Do I need a sales call or a developer?

No. Burst is the only one you can set up yourself, and you do every step online. Truemed's sign-up button reads "Talk to Sales," Flex's opens a page titled "Contact Sales," and Redo's page says a success engineer "walks your team through setup". If someone else manages your website, the dashboard sends them the button setup.

What does Burst cost my business?

Burst costs your business nothing. It's free for merchants: no platform fee, no setup fee, no contract and no share of your revenue. Customers pay a one-time fee for their letter, and it's refunded if no letter is issued or the claim is denied.

Does anything change at my checkout?

No. Customers pay you with the card they already use, and you get paid the way you do today. Burst never touches your point of sale, your billing software or your payment processor.

Can I take the HSA or FSA card at checkout instead?

You can. It's a separate project with a payment integration and a catalog review. How to accept HSA and FSA payments compares the two routes, and accepting HSA and FSA without an integration covers the one with no checkout work.

What happens if a customer's claim is denied?

Burst writes the appeal. If the claim is still denied, or no letter is issued, the customer's letter fee is refunded automatically.