Our Products
SIGIS-Eligible Products
Automatically approve HSA/FSA cards for eligible items — no paperwork required. Powered by IIAS and SIGIS.
Letter of Medical Necessity
Accept HSA/FSA cards for dual-purpose products via provider-issued LMNs, initiated during checkout.
SIGIS-Eligible Products
Auto-Substantiation with Inventory Approval
If your store sells products that are pre-approved by SIGIS (Special Interest Group for IIAS Standards), Gale can instantly approve HSA/FSA payments with no user documentation required.These products are classified using our built-in Inventory Information Approval System (IIAS) — a requirement from the IRS.
Benefits
- Instant card approval at checkout
- No surveys, uploads, or manual reviews
- Fully compliant with IRS and SIGIS standards
Letter of Medical Necessity (LMN)
Unlock HSA/FSA for Dual-Purpose Products
Some products — such as fitness, sleep, or wellness-related items — are only HSA/FSA-eligible if supported by a Letter of Medical Necessity (LMN) from a licensed provider. With Gale, customers can go through a short survey during checkout. A licensed healthcare provider reviews their responses and issues the LMN if medically justified — unlocking payment approval.How it works
- Customer chooses Gale Payments at checkout
- Gale presents a guided eligibility survey
- Licensed medical provider reviews it asynchronously
- LMN is issued and payment is processed — all handled within the flow
Gale handles the provider network, survey logic, and LMN documentation — so you stay compliant without any overhead.
Why This Matters
Ensure Compliance, Maximize Coverage
Whether you sell SIGIS-approved products or dual-purpose items, Gale ensures every HSA/FSA transaction meets IRS and healthcare compliance — while keeping the customer experience smooth and fast.