Explore Visa Healthcare & Benefit Cards

Employees use their Visa Healthcare & Benefit cards, which include Health Savings Account (HSA), Flexible Spending Account (FSA), and Health Reimbursement Arrangement (HRA) cards, just like debit cards to pay for qualified medical expenses without extra paperwork, saving time and energy for themselves and administrators. Because they make the funds easier to use, Visa Healthcare & Benefit cards can lead to higher employee satisfaction with your company's health benefit program and increase participation. But that's just the beginning. The following features apply to the Visa Healthcare and Benefit cards that accompany HSAs, FSAs and HRAs.

Increase employee participation and satisfaction

When you offer Visa Healthcare & Benefit cards as part of your health benefit program, you give employees an easy way to access their health benefit funds without having to pay out- of-pocket, file a claim and wait for reimbursement, go through HR, or, in the case of HSAs, reconcile their account later. Employees use the card just like a debit card to directly access funds and pay for qualified medical expenses like co-pays and prescriptions. With Visa Healthcare & Benefit cards, account holders enjoy fast, convenient access to funds.
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Reduce Costs and Improve Efficiency

Visa Healthcare & Benefit cards make the reimbursement process less cumbersome, reducing costs by eliminating many paper claims and the need to issue reimbursement checks to employees. The cards also make it easier to track account expenditures.

Tailor the card to your organization's needs

Your Visa card provider will work with you to design a card program to support your employee benefit card needs, including HSA, FSA, HRA, Transit, Dependent Care, and Wellness programs.
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Satisfy IRS and IIAS requirements

Selective authorization allows you to restrict FSA and HRA card usage in order to meet IRS guidelines. Merchant Category Code Restriction (MCC) means the cards can only be used at eligible healthcare provider and IIAS participating merchant locations. HSA cards, however, can be issued with or without MCC restrictions.
Learn more about IIAS Requirements

Flexible ATM and MCC restrictions for HSAs

Visa's flexible platform allows for the Visa HSA cards to be issued either with full (both ATM & MCC), part (either ATM or MCC) or no restrictions. Issuers of Visa HSA cards have the option to restrict card usage to healthcare-related Merchant Category Codes (MCCs). If card usage is not restricted, the card may be used to pay for purchases wherever Visa debit products are accepted. However, the cardholder will be subject to a penalty tax in addition to paying federal income tax if eligible medical expenses do not exceed the amount of items purchased using HSA funds plus other HSA withdrawals. Issuers also have the option to offer or restrict cash access through ATMs. If underlying eligible medical expenses are insufficient, the cardholder is required to pay federal income tax and a 20 percent excise tax on the amount by which HSA withdrawals exceed eligible expenses.

Ensure consumer security

Visa's Zero Liability Policy safeguards cardholders from unauthorized purchases. When they happen, account funds can be replaced with the full amount of the eligible unauthorized transactions using the card.*
Learn more about the Visa Security Program

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* Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. Transaction-dispute rights also apply.


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