Accept HSA & FSA Payments Online | Forage

Unlock health spend online with one easy integration

Accept HSA and FSA benefit cards online — no separate integrations required. Forage makes it simple, compliant, and fast.

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Tap into billions in new online spend

Americans contribute billions of dollars every year to Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Forage is making it easier to use these health benefit cards online.

$150B+

in annual contributions

Households contribute an average of $3,030 (HSA) and $2,250 (FSA) per year — a massive source of restricted spend.

37%

of U.S. adults hold an HSA or FSA

Higher-income, digitally-native households drive the majority of spend — and most can’t use these funds the way they want to.

$30B+

spent on eligible products

OTC meds, wellness items, personal care, and more — this spend flows through categories you already sell.

77%

of FSA funds spent by November

77% of FSA funds are spent by November — but billions expire and go unused by year-end. Make it easy to spend before expiration.

One API, multiple payment methods

Skip the complexity of one-off integrations. With Forage, you get it all — through one contract and one API.

Currently Supported

HSA

FSA

Coming Soon

Medicare Advantage Health Benefits

WIC

InComm OTC

FIS Filtered Spend

Solutran S3

Nation's Benefits

Soda Health

Built for retailers, loved by developers

Add new benefit types in minutes with our modular API and SDKs.

cURL

iOS

Android

curl--request POST \

--url https://api.sandbox.joinforage.app/api/payments/ \

--header'Authorization: Bearer prod_vOrumiuRFG7ouMoZNF8AeFNwMhZRET' \

--header'Idempotency-Key: 123e45678' \

--header'Merchant-Account: 1234567' \

--header'accept: application/json' \

--header'content-type: application/json' \

--data' { "amount": 25.99, "payment_method": "ac47392bb1", "funding_type": "credit_payfac", "customer_id": "e8819a107a50aa50771a075e25a7529421ad0267bfef691745f915d8a2acc7e9" }

The Forage Difference

We handle compliance, eligibility rules, and program quirks — so you can focus on expanding your business.

Compliance Management

Stay in lockstep with IRS, FNS, and issuer guidelines.

Item Eligibility Adjudication

Automatic matching and flagging based on UPCs, tax codes, and location – even for private label items.

Go-Live Support

From integration to launch, scale, and maturity, our team supports you with auth rate tuning, dispute workflows, marketing optimizations, and performance benchmarks.

One Dashboard. Total Visibility.

Track all health payments in one place, in real-time — no spreadsheet or reconciliation headaches.

Trusted by retailers nationwide

Forage powers payments for the nation’s leading national grocers, convenience chains, and online delivery platforms.

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