thread Re: Anyone having issues accepting HSA cards? in Payments Troubleshooting

Anyone having issues accepting HSA cards?

kellistaines111 — Sat, 20 Sep 2025 18:50:03 GMT

Is anyone having issues accepting HSA cards? My clients haave been declined for 3 weeks now.

Re: Anyone having issues accepting HSA cards?

JJ_ — Tue, 25 Feb 2025 18:37:06 GMT

I haven't seen any reports about HSA card acceptance issues. I recommend that the affected clients contact their issuer to get a better idea of why the transactions were declined.

Re: Anyone having issues accepting HSA cards?

kellistaines111 — Tue, 25 Feb 2025 19:13:39 GMT

I called square back and they didn't have the correct code for me. All set now. Thanks.

Re: Anyone having issues accepting HSA cards?

Lvan78 — Tue, 25 Feb 2025 22:44:06 GMT

I am having the same issue. Client called to find out why her card was declined and they said I wasn't set up as a medical facility. I have had no issues accepting hsa before. What is going on and how do I find out if my account is set up correctly as I thought it was?

Re: Anyone having issues accepting HSA cards?

biotherapyhealt — Wed, 26 Feb 2025 14:45:43 GMT

I have been having issues as well with several clients that showed me that had the money in there and we have used it many times before and it keeps saying declined.

Re: Anyone having issues accepting HSA cards?

drjohn — Thu, 27 Feb 2025 16:25:19 GMT

I have had Square for over a decade now and as of Jan 1 all HSA/FSA cards were not accepted. I've never had an issue and told my patients to call their card company. They were told I am not set up as a medical facility, even though I have been for 12 years, I think!

Square please remedy this! I'm now looking at alternatives, especially given the outage yesterday afternoon -- it wouldn't even allow for offline payments.

Does square read these?

cheers all

Re: Anyone having issues accepting HSA cards?

Sammie_C — Fri, 28 Feb 2025 17:11:15 GMT

I appreciate you reaching back out, @drjohn, @biotherapyhealt, @Lvan78, and @kellistaines111. I went ahead and reached out to one of our Operations teams to take a look into this for you all. As soon as I hear back from them, I will reach back out here promptly.

Re: Anyone having issues accepting HSA cards?

Sammie_C — Fri, 28 Feb 2025 19:34:17 GMT

Hello again @drjohn, @biotherapyhealt, @Lvan78, and @kellistaines111. I heard back from our Operations team and they were wondering if you all have any examples of these declines you are seeing? If so, would you all be able to provide any screenshots of the decline messages with any associated details of the HSA cards and such?

If there is personal information present in the screenshots, feel free to send them over to me in a DM.

Our Operations team also mentioned that it is up to the card issuer to determine if the card can be used at your particular business, but we can still take a look into this further since you were able to accept these cards before.

Please let me know and I can escalate theses screenshots over to the corresponding team to get this resolved for you all.

Re: Anyone having issues accepting HSA cards?

Lvan78 — Fri, 28 Feb 2025 19:46:25 GMT

On my end it simply says declined. My client called the number on her card and was told I was not set up as a healthcare provider. When I set my account up ten plus years ago I purposely set it up as a healthcare provider so that I could run hsa cards. Of it is not set up that way, did it change and how do I change it back. This same customer has been using her hsa with me for more than 5 years. I don't have screen shots, nor do I think a screen shot of the word declined would be helpful anyway.

Re: Anyone having issues accepting HSA cards?

Lvan78 — Fri, 28 Feb 2025 19:48:16 GMT

I have emailed support days ago, have not gotten any response.

Re: Anyone having issues accepting HSA cards?

kellistaines111 — Fri, 28 Feb 2025 19:49:12 GMT

Call Square and make sure they have the correct code. It must be code 8099.

Re: Anyone having issues accepting HSA cards?

Sammie_C — Fri, 28 Feb 2025 19:57:27 GMT

I understand, @Lvan78. We aren't just asking for a screenshot of the word "declined," we are looking for any additional details on the types of cards, transactions themselves, etc., so our team can try to troubleshoot what could be causing this. If it is easier to send a screenshot (and if it is available), then that is an option to help try to get this resolved for you.

Re: Anyone having issues accepting HSA cards?

A-GradeWellness — Fri, 04 Apr 2025 02:57:30 GMT

We have this issue- any resolution?

Re: Anyone having issues accepting HSA cards?

Lvan78 — Fri, 04 Apr 2025 13:21:33 GMT

The only way to fix it is to call square customer service. I had set my account up in the beginning as a healthcare provider. So, I do not know why it changed. Customer service had to verify my business but they fixed the problem and hsa works now.

Re: Anyone having issues accepting HSA cards?

Sammie_C — Fri, 04 Apr 2025 14:43:02 GMT

I appreciate you letting us know this, @Lvan78. Glad to hear you were able to get this resolved.

Re: Anyone having issues accepting HSA cards?

Sammie_C — Fri, 04 Apr 2025 16:15:34 GMT

As @Lvan78 states, they were able to give Customer Support a call and verify their business as a healthcare provider. Our support number is (855) 700-6000 and we are available from 6 a.m. to 6 p.m. PST, Monday through Friday.

Let me know it this doesn't fix this for you and I can look into this again!

Re: Anyone having issues accepting HSA cards?

lfortino — Mon, 05 May 2025 23:30:49 GMT

I am having the same problem with an HSA card. I just called customer service and they see nothing on Square's end or with my setup. They told me to have my client call his bank and see if there is an issue.

He showed me that he has more than enough money in the account.

This is frustrating for me as well as my client.

Re: Anyone having issues accepting HSA cards?

Sammie_C — Tue, 06 May 2025 16:14:51 GMT

Thank you for reaching out, @lfortino. In this case, I would recommend your client contact their card issuer to determine if the card can be used at your particular business. Certain card holders have limitations for certain uses or business types.

The other thing is did you confirm with Square Support that your business is set up as a healthcare provider?

Re: Anyone having issues accepting HSA cards?

sarvan — Fri, 02 Jan 2026 11:08:43 GMT

I need to get done a bill from the insurance to redeem. can you do it if I give the full card info? You are welcome to secure a commission of the total amount.

Re: Anyone having issues accepting HSA cards?

brattenspoiled — Sat, 28 Feb 2026 14:21:33 GMT

my little square business has been able to accept FSA AND HSA PAYMENTS since i called them to have it set up when i received my Medical certification a couple years ago! PAST 5 MONTHS OR SO IT NO LONGER WORKS!

very frustrating to my clients and to myself. NO Notice from square on changes.

aggrevating i have to contact them again.

they have forgotten small business.

i may have to look at other options