> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withgale.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accept HSA/FSA Payments

> Enable your customers to pay with their Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) in just a few steps.

# 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.

## Why Gale?

<CardGroup cols={2}>
  <Card title="Automatic Eligibility" icon="check-circle">
    Real-time SIGIS verification ensures products are HSA/FSA eligible
  </Card>

  <Card title="Multiple Integration Options" icon="plug">
    From no-code payment links to full custom API control
  </Card>

  <Card title="Complete Subscription Support" icon="repeat">
    Built-in recurring billing for wellness subscriptions
  </Card>

  <Card title="Simplified Compliance" icon="shield-check">
    We handle LMN submissions and eligibility documentation
  </Card>
</CardGroup>

## 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

## Integration Methods

Choose the integration that fits your technical needs:

<CardGroup cols={2}>
  <Card title="Checkout (Hosted Page)" icon="credit-card" href="/integration/checkout">
    **Most Common** - Redirect to Gale's hosted checkout

    Perfect for: E-commerce sites, membership platforms, existing checkouts

    Gale handles: Card collection, eligibility detection, LMN flow
  </Card>

  <Card title="Payment Links" icon="link" href="/integration/payment-links">
    **Off-Platform** - Shareable payment URLs

    Perfect for: Email invoices, SMS payments, manual billing

    Generate via: API or Dashboard
  </Card>

  <Card title="Embedded Checkout" icon="window" href="/integration/embedded-checkout">
    **Seamless** - iframe integration for branded experience

    Perfect for: Platform merchants, white-label solutions

    Same as Checkout, embedded in your page
  </Card>

  <Card title="Custom API" icon="code" href="/integration/custom-api">
    **Advanced** - Build your own payment UI

    Perfect for: Mobile apps, custom experiences

    Full API control over payment flow
  </Card>
</CardGroup>

## What You'll Need

Before you start, make sure you have:

* [ ] A Gale merchant account ([Sign up](https://www.withgale.com))
* [ ] API keys (available in your dashboard)
* [ ] Products to sell (we'll help verify eligibility)

## Quick Start Paths

<AccordionGroup>
  <Accordion title="I have an e-commerce site or membership platform">
    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 →](/integration/checkout)
  </Accordion>

  <Accordion title="I need to send invoices via email/SMS">
    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 →](/integration/payment-links)
  </Accordion>

  <Accordion title="I want checkout embedded in my page">
    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 →](/integration/embedded-checkout)
  </Accordion>

  <Accordion title="I'm building a mobile app or custom experience">
    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 →](/integration/custom-api)
  </Accordion>
</AccordionGroup>

## Next Steps

<Steps>
  <Step title="Choose Your Integration">
    Select the method that matches your use case above
  </Step>

  <Step title="Set Up Your Products">
    Add products to Gale and verify HSA/FSA eligibility
  </Step>

  <Step title="Integrate">
    Follow the guide for your chosen integration method
  </Step>

  <Step title="Go Live">
    Test with sandbox environment, then switch to production
  </Step>
</Steps>

## Support

Need help getting started?

* 📧 Email: [support@withgale.com](mailto:support@withgale.com)
* 📚 Full API Reference: [/api-reference](/api-reference/introduction)
* 📊 Status Page: [status.withgale.com](https://status.withgale.com)