If you’re in the healthcare industry, chances are you’ve been asked: Do you accept HSA or FSA cards? These accounts come with a debit card that only works at businesses with a recognized Merchant Category Code (MCC). Let’s break down in plain English what MCC 8099 is and how it can unlock more payment options for you today.
What is MCC 8099?
MCC 8099 is a general classification used by payment networks for a wide range of health-related services. It acts as an umbrella for businesses that don’t fall under a more specific medical code but still provide services that support health and wellness.
This category is essential for merchants who want to accept HSA/FSA cards, particularly those not operating under a traditional medical billing system.
What Businesses Qualify Under MCC 8099?
MCC 8099 is used for:
Health Coaching & Wellness Services
Think nutritionists, life coaches, and wellness consultants who offer services that improve your overall well-being.
Medical Equipment & Supplies
These are businesses that sell crutches, blood pressure monitors, or personal protective equipment (PPE).
Primary Care & Caretakers
This is specifically for primary care practices or private caretakers that offer memberships or subscription-style healthcare without billing insurance.
Home Health Care Providers
Agencies providing in-home medical services, nursing care, or therapy sessions fall into this category.
Therapists and Alternative Health Care Providers
This applies to physical therapists (PT), occupational therapists (OT), homeopaths, acupuncturists, and massage therapists.
Telehealth Services
Online platforms or healthcare providers that offer remote medical or mental health services apply.
Medical Aesthetics
If you provide services like micro-needling, laser skin treatments, or medical-grade facials, then MCC 8099 may apply to your business.
What’s Not Included in MCC 8099?
- Hospitals (MCC 8062)
- Dental Offices (MCC 8011)
- Pharmacies (MCC 5912)
- Some Physical Therapy Clinics: Depending on your setup, you may have a different code
A code that isn’t MCC 8099, or any other health-related MCC, can’t process HSA/FSA cards. But if you can prove that more than 90% of your sales come from eligible categories, you can still accept HSA or FSA cards.
How to Accept HSA and FSA Cards at Your Business
Here’s the good news: You don’t need to install new hardware to accept HSA and FSA cards. It’s about having the correct classification.
- Step 1: Work with a knowledgeable payment processor (like AllayPay) to confirm or update your MCC
- Step 2: Provide documentation proving your services qualify as health-related
- Step 3: If you’re eligible, we’ll match your merchant account with the correct MCC (8099)
From there, you’ll be able to process HSA and FSA cards just like any other credit card. There are no extra steps necessary.
Choose AllayPay for Your Health Business Payment Processing
We specialize in setting up customized payment solutions for healthcare, wellness services, and medical office merchant services. Whether you’re offering private medical care or wellness coaching, our team ensures your business is correctly set up to accept all major card types, as well as HSA and FSA.
We’re not just a processor; we’re your trusted partner. We work hard to provide you with fast approvals, transparent pricing, and secure processing, so your medical business can continue to run smoothly.
Ready to accept HSA/FSA cards? Contact us today to get started!
