If you received a message that your card was declined due to insufficient funds, we understand how frustrating that can be. This article will walk you through what’s happening, why it happens, and what you can do next — whether you want to retry your purchase now or seek reimbursement later.

When a card is declined due to insufficient funds, it means that your payment method (such as an HSA or FSA card) didn’t have enough available balance at the time of the attempted charge to complete the purchase.

This decline comes directly from your card issuer — not from TrueMed or the merchant. We simply pass along the reason they provide.

Here are a few possible explanations:

• Your FSA/HSA balance is too low to cover the full cost of the items in your cart.

• Your card has a daily spending limit or transaction cap.

• A pending charge (even from another purchase) is temporarily reducing your available funds.

• The card is inactive, expired, or not yet funded for the plan year.

• Your card issuer doesn’t recognize the purchase as an eligible expense (though this is rare, as TrueMed only works with eligible items).

Start by logging into your HSA/FSA provider’s portal or app to confirm your available funds. If the balance is below your cart total, that’s likely the reason for the decline.

Option A: Use Your Own Card Now and Get Reimbursed Later

If your HSA or FSA card can’t be used right now — don’t worry! You can complete your order today using a personal debit or credit card.

✅ We’ll still verify the purchase as eligible through TrueMed
✅ You’ll get a receipt you can submit to your benefits administrator
✅ Most administrators allow easy reimbursement for qualified expenses

💡 Tip: Check with your administrator for their reimbursement process (often it's as simple as uploading a PDF receipt and your Letter of Medical Necessity).

Option B: Retry With Your HSA/FSA Card Later

If you’d prefer to wait until your card is funded or cleared for use, simply come back when you're ready and try again at checkout.

Card issuers can occasionally decline a transaction by mistake or for reasons not shown in our system. If your balance looks correct, we recommend contacting the card issuer directly to clarify.

Yes — as long as the products are eligible under IRS guidelines, paying with a personal card doesn’t affect your ability to get reimbursed.

If you’re unsure what to do next or something doesn’t look right, don’t hesitate to reach out! Our team is here to help you complete your purchase and make sure you're getting the most out of your HSA or FSA.

📩 Contact Us: support@truemed.com

✅ Bottom line: You can always complete your purchase now using a personal card and request reimbursement later — it’s fast, easy, and still eligible.