Zenoti HSA/FSA: Beyond Medspa Cards
Zenoti allows HSA/FSA cards only for medspa-classified businesses. What salons, day spas and multi-service groups can offer clients regardless.
5 minute read
TLDR;
Zenoti can take HSA and FSA cards, on one condition that decides everything: your business has to be classified as a medspa. Their help docs say so, and they go further. Change your industry type away from medspa and you lose card acceptance. Salons, day spas, wellness centers and multi-service businesses classified as anything else are out.
The best HSA/FSA option for a business on Zenoti is Burst, because it doesn't care how you're classified. Clients keep booking and paying in Zenoti exactly as they do now, on the same card. Burst writes the Letter of Medical Necessity with licensed clinicians and files the reimbursement claim, and their 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 never a percentage 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 client, not an owner? You can get a letter for your treatment directly from Burst.)
Does Zenoti accept HSA and FSA cards?
For medspas, yes. Zenoti's help docs say a business must be classified as a medspa to accept HSA and FSA cards, and that setup runs through onboarding. They also say that if you change your industry type off medspa, you'll no longer be able to accept those payments. Businesses on Stripe have to ask Stripe to enable the cards on top of that.
Clean answer, sharp edge. Zenoti sells to medspas, but it also sells to salons, day spas, barbershops and multi-location wellness groups, and a lot of those aren't classified as medspas and can't honestly reclassify to become one. For them the card question closes before it opens.
Even a properly classified medspa hits the second limit: the card only covers what it can approve at the moment of purchase. Memberships, packages and treatment plans, which is where the revenue actually is, are the hardest things to put on it.
The three options for a Zenoti business
Take the card in Zenoti | Truemed or Flex | Burst | |
|---|---|---|---|
What it is | An HSA/FSA card run through Zenoti payments | 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 client is left to file | Burst files it for the client |
Whether you can use it | Only if your business is classified as a medspa | Sales call, then checkout integration, typically weeks | Any classification, self-serve in 30 minutes |
What it does to Zenoti | Nothing, but it ends the day you change industry type | Adds their payment method to your stack | Nothing at all; Zenoti 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 |
Memberships and packages | Every renewal is a fresh card decision | Limited support | Your existing Zenoti billing, untouched |
Who it's built for | Medspas only | Brands in their partner network | Every business: medspas, day spas, salons, studios, gyms, retail |
Client protection | None | None advertised | Automatic refund if no letter is issued or the claim is denied |
How Burst works next to Zenoti
Burst doesn't connect to Zenoti and doesn't need to. Clients keep booking treatments, buying packages and renewing memberships in Zenoti, on the same card, across every location. You install nothing, you change no classification, and your front desk keeps the checkout it knows.
A client 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 revenue never routes through a third party and your Zenoti reporting doesn't change.
Pricing is published. $100 a month, month to month, no contract, and never a percentage of your revenue, whether you run one location or fifty. Clients pay a $20 one-time letter fee, or you cover it. 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.
More on this for spa businesses in can med spas accept HSA and FSA.
See how it works or go live now.
Frequently asked questions
What is the best HSA/FSA option for a business on Zenoti?
Burst is the best HSA/FSA option for a Zenoti business that isn't classified as a medspa, and the best way for one that is to cover memberships and packages the card can't. It needs nothing from Zenoti: no integration, no reclassification, no change to how clients 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 client. Truemed and Flex are the other names in the category, and with both the client is left to file the claim alone.
Why did my HSA/FSA card acceptance stop working in Zenoti?
Most likely the business industry type moved off medspa. Zenoti's docs say card acceptance ends when that classification changes.
Can a salon or day spa on Zenoti offer this?
Not through the cards, and yes through Burst. The card route is limited to medspa-classified businesses. Burst works the same for salons, day spas, wellness centers and multi-service groups.
Can clients use FSA or HSA money for memberships and treatment packages?
Yes. Clients keep paying through your existing Zenoti billing on their normal card, nothing changes in your process at all, and Burst handles the letter and files the claim.
Can a client get a letter for a treatment 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.
What does it cost my business?
$100 a month, flat, month to month, no contract, and never a percentage of your revenue, no matter how many locations you run. The only other cost is the $20 one-time client letter fee, and you decide who pays it.
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