Can I Pay with Both My HSA/FSA Card and a Credit Card?

Yes, Truemed offers the option to split your payment between and HSA/FSA card and a regular debit/credit card.

What is Split Pay?

Truemed supports Split Pay, allowing you to use two different payment methods — an HSA/FSA card and a credit/debit card — for a single order. Whether your entire cart is HSA/FSA eligible or only certain items are eligible, this feature gives you the flexibility to split your payment in a way that best suits your needs.

With Split Pay, you no longer have to choose between using your HSA/FSA funds and completing a purchase. You can put your tax-advantaged dollars to work on the eligible portion of your order and cover the rest with a standard credit or debit card, all in a single checkout flow.

When Split Pay is Useful

Split Pay is designed to handle a few common situations:

• You have a mix of eligible and ineligible items in your cart. If some products qualify for HSA/FSA payment and others don’t, Split Pay lets you charge only the eligible portion to your HSA/FSA card and cover the rest with another card. No need to place separate orders or request reimbursements later.
• Your HSA/FSA balance doesn’t cover the full order. If the total is more than what’s available in your HSA/FSA account, you can apply your remaining balance toward the purchase and pay the difference with a credit or debit card.
• You want to maximize your HSA/FSA usage. Even on fully eligible carts, you can choose exactly how much to charge to your HSA/FSA card and cover anything beyond that with another payment method. This is helpful if you’re managing your account balance or approaching your card’s daily spending limit.

How to Use Split Pay at Checkout

The Split Pay option appears automatically during the Truemed checkout flow when it’s available for your order. Here’s what to expect:

1. Complete your purchase on the merchant’s site as you normally would, then proceed to the Truemed payment step when prompted.
2. Choose your payment split. You’ll see options to pay fully with your HSA/FSA card, fully with a credit/debit card, or to split between both. Select the split option.
3. Enter the amount to charge to your HSA/FSA card. You can type in any amount between $0.50 and the eligible portion of your cart total. Truemed will show you the maximum eligible amount.
4. Add your secondary payment method. Enter your credit or debit card details. This card will be charged the remaining balance automatically.
5. Review your payment summary. You’ll see a breakdown showing exactly how much will be charged to each card. You can adjust the HSA/FSA amount at this step before confirming.
6. Confirm your order. Once you submit, both charges process simultaneously. You’ll receive a confirmation showing the split between your two payment methods.

If your HSA/FSA card is declined during checkout, you’ll see an error message and can adjust the amount or try a different card before completing the transaction.

What to Expect on Your Statement

Because Split Pay processes two separate transactions, you’ll see two charges on your statements:

• HSA/FSA card statement: One charge for the amount you allocated to your HSA/FSA card. This charge is coded with the appropriate healthcare merchant category code, so it should be recognized by your HSA/FSA provider as a qualified medical expense.
• Credit/debit card statement: One charge for the remaining balance. This appears as a standard retail transaction.

Receipts and documentation: Truemed provides a receipt for your full order, including a breakdown of the eligible and non-eligible amounts. If your HSA/FSA administrator requests documentation for reimbursement or audit purposes, this receipt shows which portion was paid with HSA/FSA funds. No separate reimbursement request is needed for the HSA/FSA portion — it was paid directly at checkout.

Frequently Asked Questions

Can I use two different HSA/FSA cards?

Not at this time. Split Pay supports one HSA/FSA card combined with one credit or debit card. If you have multiple HSA/FSA accounts, you’ll need to select one for the transaction.

What if I don’t have enough HSA/FSA funds to meet the minimum charge?

The minimum HSA/FSA charge through Split Pay is $0.50. If your HSA/FSA balance is below this threshold, you can pay the full order with a credit or debit card and submit a reimbursement claim through your HSA/FSA provider afterward using your Truemed receipt.

Does Split Pay work for subscriptions?

Split Pay is currently supported for one-time purchases. If you’re placing a subscription order, the recurring billing terms set by the merchant apply, and the payment method on file will be charged for future billing cycles. Check with the merchant for details on updating your payment method for a subscription.

What if my HSA/FSA card is declined?

You’ll receive an error message at checkout. You can try reducing the HSA/FSA amount, check that your card details are entered correctly, or contact your HSA/FSA provider to confirm your available balance and any spending restrictions. You can also complete the purchase entirely with your credit or debit card and request reimbursement later.

Can I use Split Pay if my entire cart is HSA/FSA eligible?

Yes. Even when every item in your cart qualifies, you can choose to split the payment, putting some toward your HSA/FSA card and the rest on a credit or debit card. This is helpful if you want to preserve your HSA/FSA balance or stay within a daily spending limit.