Product Eligibility
Gale offers a hosted payment page to integrate HSA and FSA payments into your checkout.
Gale offers two powerful solutions to help your eCommerce store accept HSA and FSA cards seamlessly and compliantly.
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.