Does Your Gym Software Support HSA/FSA?
Momence, Daxko, Mindbody, ABC Fitness, Wodify, Vagaro, Zenoti and PushPress compared on HSA/FSA, and the option that needs no integration at all.
7 minute read
TLDR;
Almost none of it does. Momence, Zenoti and Vagaro will run an HSA or FSA card, but only if your payment account is coded as a medical business, which a yoga studio, a gym or a day spa isn't. Mindbody, ABC Fitness and Wodify list a letter provider, which adds no HSA/FSA capability to the software and leaves your member to file the claim alone. Daxko and PushPress have nothing at all.
The best HSA/FSA option for a business running on gym or studio software is Burst, because it works next to your software instead of inside it. Nothing to install, nothing to integrate, no change to how members pay you. You sign up yourself and you're live in 30 minutes. It's $100 a month flat, no contract, and never a cut of your revenue. Members pay a $20 one-time letter fee, or you cover it. Burst writes the letter and files the reimbursement claim, and the member's plan administrator pays them out of their FSA, HSA, or HRA.
Start at getburst.com/self-serve, or find your platform below.
(Reading this as a member, not an owner? You can get a letter for your membership directly from Burst.)
Which gym and studio platforms support HSA/FSA?
Where each platform stands as of September 2026, checked against their own documentation. Not one of them has an HSA/FSA payment capability built in.
Platform | What you actually get | The catch | Works with Burst |
|---|---|---|---|
HSA/FSA cards run through the normal payment flow | Only if you're coded as a medical business; studio and spa codes get declines | Yes, nothing to change in Momence | |
Nothing. Daxko backs a bill that would change the law | The bill isn't law, so you're waiting on Congress | Yes, nothing to change in Daxko | |
Nothing in the product. A letter provider is listed in the marketplace | Your client is left to file the claim alone | Yes, and Burst files the claim | |
Nothing in the product. A letter provider is available through a partnership | Your member is left to file the claim alone | Yes, and it covers your dues | |
Nothing in the product. A letter provider is listed on the integrations page | Your member is left to file the claim alone | Yes, live the same day | |
FSA/HSA card acceptance for some businesses | Only if you set up card processing under a medical category | Yes, whatever category you're in | |
HSA/FSA card acceptance for medspas | Classified as anything else and the cards stop working | Yes, salons and day spas included | |
Nothing | No docs, no partner, no roadmap item | Yes, no developer needed | |
Walla, Arketa, Clubworx, Mariana Tech, ClubReady | Nothing published | Smaller platforms are last in line | Yes, because Burst doesn't need the platform's help |
Your software isn't what decides this
The card networks only approve HSA and FSA cards at businesses coded as medical, and a gym isn't one. Momence, Zenoti and Vagaro all say the same thing in their own help docs: it works if you're set up as a medical business, and it doesn't if you're a gym, a studio, a salon or a spa. You can't fix that in settings.
So you have three choices. Wait for your platform to ship something. Get recoded as a medical business, which most fitness businesses can't honestly do. Or use the route that's been open the whole time: your member pays you normally, a licensed clinician writes a Letter of Medical Necessity, and the claim gets filed for reimbursement. That last one doesn't need your software to do anything.
Your three options, side by side
Take the card in your software | 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 customer is left to file | Burst files it for the member |
Getting live | Only if you're coded as a medical business | Sales call, then checkout integration, typically weeks | Self-serve, 30 minutes, no integration |
Your terms | Your normal processing rates | Not public; typically a rev share | $100/month flat, month to month, no contract, never a percentage |
Recurring memberships | Every renewal is a fresh card decision | Limited support | Your existing billing, untouched |
Who it's built for | Medical businesses | Online brands in their partner network | Every business: gyms, studios, spas, retail, online or in person |
Member protection | None | None advertised | Automatic refund if no letter is issued or the claim is denied |
Getting the letter is the easy part
Every provider in this category can qualify a member for a letter. Filing the claim is what decides whether your member sees the money, and that's the part they're usually left to do alone. The right form for their administrator, receipts attached correctly, a resubmission when it bounces back over a detail. Plenty of people start and never finish. The ones who do remember it as hassle attached to your business.
Burst does both halves. Clinician review and the letter, then the claim filed with the member's plan administrator, who pays the reimbursement out of their FSA, HSA, or HRA to them. If a clinician doesn't approve a letter, or a claim is denied, the member's fee refunds automatically. Neither Truemed nor Flex advertises a comparable guarantee.
What Burst adds, whatever you run
Your members keep paying you through the same system, on the same schedule, with the same card. Nothing gets installed, and nobody on your team learns a new checkout.
Pricing is on the site, not in a proposal. $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 perk.
See how it works or go live now.
Getting live this week
Four steps, none of which touch your software.
Sign up at getburst.com/self-serve and pick who covers the $20 letter fee.
Put the offer where members already look: your membership page, your join flow, the front desk, your next email.
Members request a letter, pay you the way they always have, and get reimbursed out of their own account.
Watch what it does to signups and retention in your dashboard.
Frequently asked questions
What is the best HSA/FSA option for a gym or studio on member management software?
Burst is the best HSA/FSA option for a business running on gym or studio software, because it needs nothing from the software. No integration, no plugin, no change to how members pay. 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 customer is left to file the claim alone.
Does my software need to integrate with Burst?
No. Burst doesn't connect to Momence, Daxko, Mindbody, ABC Fitness, Wodify, Vagaro, Zenoti or PushPress. Your checkout, POS and billing stay exactly as they are, which is why a platform with no HSA/FSA feature isn't a problem.
Why do HSA and FSA cards get declined at my studio?
The card networks only approve them at businesses coded as medical, and most gyms, studios, salons and spas aren't. Momence, Zenoti and Vagaro all say a version of this in their own help articles. It's a payment code question, not a bug in your software.
Can members use FSA or HSA money for a recurring membership?
Yes, with Burst. Members keep paying dues through your existing billing on their normal card, nothing changes in your process at all, and Burst handles the letter and the claim. Recurring dues are the hardest case for card-based providers and the easiest one here.
Can a member get a letter for something they already paid for?
No. IRS rules require the letter to be dated on or before the purchase. That binds Burst, Truemed, Flex and everyone else equally, so plan the offer forward.
What does it cost my business?
$100 a month, flat, month to month, no contract, and never a percentage of your revenue. The only other cost is the $20 one-time member letter fee, and you decide who pays it.
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