How HSA / FSA Payments Work with Momence
Momence uses Stripe to process all card transactions. Whether an HSA or FSA card is approved depends on your Merchant Category Code (MCC) — this is assigned by Stripe when your account is created.
MCC Code | Classification | HSA/FSA Eligible? |
8099 | Medical / Sports / Therapeutic Services | ✅ Yes |
7298 | Health & Beauty / Spa | ⚠️ May be declined |
To ensure HSA or FSA cards are consistently accepted, your Stripe account should be classified under MCC 8099 (or another medically aligned category).
How to Enable HSA / FSA Transactions
Contact Stripe Support to confirm your current MCC.
Suggested message:“Can you confirm the Merchant Category Code (MCC) currently assigned to my account?”
If needed, request to update your MCC to 8099.
Suggested message:“We provide therapeutic/wellness services and need to ensure HSA/FSA card support. Please update our account classification to MCC 8099.”
No changes are required in Momence once the MCC is updated.
HSA and FSA cards will process automatically like standard credit or debit cards.
Migrating from Another Platform
If you’re migrating from another platform, you’ll need to create a new Stripe account when connecting to Momence. This ensures that all transactions are processed under Momence’s platform integration and comply with Stripe’s platform requirements.
During the new account setup, you can request that Stripe assign MCC 8099 (Health Practitioners) to your account.
Additional Resources
Stripe Support: Processing Health Savings Account (HSA) or Flexible Spending Account (FSA) cards
https://support.stripe.com/questions/process-health-savings-account-(hsa)-or-flexible-spending-account-(fsa)-cardsStripe Documentation: Setting Merchant Category Codes (MCCs)
https://docs.stripe.com/connect/setting-mcc
These links are helpful to include directly when messaging Stripe Support.
Need Support?
Stripe is the only provider that can verify or modify your MCC classification.
However, if you’d like help confirming which Stripe account is currently linked to Momence or want us to review your setup before contacting Stripe you're welcome to reach out to us at [email protected].