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Accept HSA/FSA Payments with Gale

Gale makes it simple for healthcare and wellness merchants to accept tax-advantaged payments from HSA and FSA accounts, unlocking access to the $175B+ contributed to these accounts annually.

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Why Gale?

Automatic Eligibility

Real-time SIGIS verification ensures products are HSA/FSA eligible

Multiple Integration Options

From no-code payment links to full custom API control

Complete Subscription Support

Built-in recurring billing for wellness subscriptions

Simplified Compliance

We handle LMN submissions and eligibility documentation

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How It Works

  1. Products: Add your products to Gale with automatic eligibility detection
  2. Integration: Choose your integration method (payment link, embedded, or custom API)
  3. Checkout: Customers pay with HSA/FSA cards on Gale’s secure checkout
  4. Fulfillment: Receive payment confirmation via webhook and fulfill the order

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Integration Methods

Choose the integration that fits your technical needs:

Checkout (Hosted Page)

Most Common - Redirect to Gale’s hosted checkoutPerfect for: E-commerce sites, membership platforms, existing checkoutsGale handles: Card collection, eligibility detection, LMN flow

Payment Links

Off-Platform - Shareable payment URLsPerfect for: Email invoices, SMS payments, manual billingGenerate via: API or Dashboard

Embedded Checkout

Seamless - iframe integration for branded experiencePerfect for: Platform merchants, white-label solutionsSame as Checkout, embedded in your page

Custom API

Advanced - Build your own payment UIPerfect for: Mobile apps, custom experiencesFull API control over payment flow

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What You’ll Need

Before you start, make sure you have:
  • A Gale merchant account (Sign up)
  • API keys (available in your dashboard)
  • Products to sell (we’ll help verify eligibility)

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Quick Start Paths

Use Checkout (Hosted Page) - most common integration
  1. Create checkout session via API with products and customer info
  2. Redirect customer to Gale’s hosted checkout URL
  3. Handle payment confirmation via webhook
Get Started with Checkout →
Use Payment Links - shareable URLs for off-platform payments
  1. Add products in your Gale dashboard
  2. Generate a payment link via API or Dashboard
  3. Share with customers via email, SMS, or messaging
Get Started with Payment Links →
Use Embedded Checkout - iframe integration
  1. Create checkout session via API
  2. Embed the checkout iframe on your site
  3. Handle payment confirmation webhooks
Get Started with Embedded Checkout →
Use Custom API Integration - full control
  1. Integrate Checkout and Product APIs
  2. Build your own payment collection UI
  3. Use Gale for payment processing and eligibility
Get Started with Custom API →

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Next Steps

1

Choose Your Integration

Select the method that matches your use case above
2

Set Up Your Products

Add products to Gale and verify HSA/FSA eligibility
3

Integrate

Follow the guide for your chosen integration method
4

Go Live

Test with sandbox environment, then switch to production

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Support

Need help getting started?