Find my savings

Turn HSA/FSA Into Revenue Growth

Unlock a $50B pre-tax market. Customers spend more with pre-tax dollars, and we make it fully compliant. 

Boost AOV & LTV

Pre-tax dollars = higher spend.

Fast & Free

No setup fees, no dev work required.

Fully Compliant

Real doctors, real approvals. 

Audit-Safe

The only no-cost, risk-free HSA/FSA solution. 

Turn HSA/FSA Into Revenue Growth

Unlock a $50B pre-tax market. Customers spend more with pre-tax dollars, and we make it fully compliant. 

Boost AOV & LTV

Pre-tax dollars = higher spend.

Fast & Free

No setup fees, no dev work required.

Fully Compliant

Real doctors, real approvals. 

Audit-Safe

The only no-cost, risk-free HSA/FSA solution. 

Industry Reports Show

Up to 36% higher average order values

Up to 42% higher repeat purchase rates

The Market Opportunity

$3,000+ average annual HSA contribution per household

$16B spent yearly from HSA/FSA accounts on everyday health products

Other Platforms Cut Corners. We Close the Loop.

Think it’s a gray area? The IRS, FTC, and state prosecutors disagree

Read the Compliance Warning for Merchants

Why our Compliance Matters?

Click to view all details

If your brand pays a doctor to approve a customer’s purchase, it can be considered a paid medical referral — a violation of federal anti-kickback laws. That opens the door to: 

Legal Investigations 

IRS
Audits 

Fines or Penalties 

Brand damage from non-compliance

Wellness Pay eliminates this risk by handling all medical approvals independently. You stay fully outside the liability chain — no legal exposure, no compliance headaches.

How it Works for Merchants

No Tech Headaches. No Contracts. No Fees. 

How it Works for Your Customers

Simple, Trustworthy, and Fully IRS-Compliant. 

This Seems Too Good to Be True. Tell Me More.

How is this actually free for me? 

Your customers pay us directly for the service - you never get charged anything. No setup fees, no transaction fees, no monthly costs. We make money when your customers use our service, so we're aligned with your success. This payment structure also keeps you completely compliant - since you're not paying for medical approvals, you avoid any anti-kickback violations or legal liability. It's free AND safe.

What makes you different from other platforms? 

They charge merchants fees and pay doctors to approve purchases - creating legal liability for kickbacks. But the problems go deeper. Their doctors write approvals based only on brief online questionnaires with no real medical consultations or patient relationships - it's essentially a mass-produced "prescription mill" approach. The IRS has specifically warned against their methods, and they're facing federal investigations. We eliminate all this risk by using real medical evaluations with licensed physicians who establish proper doctor-patient relationships. Plus, customers pay us directly so you stay completely outside the liability chain. We're built specifically to meet IRS and medical board standards while they're cutting corners. Learn More Here.

Do I need to integrate anything or change my checkout? 

Nope. You just add a simple badge to product pages and include one line in your post-purchase email. Takes about 5 minutes total. No developer needed, no code changes.

Do you provide marketing materials and graphics? 

Yes! We give you everything you need to promote HSA/FSA eligibility. You get access to our Figma file with professional badges, banners, and marketing assets that you can use as-is or customize with your branding. We also provide a complete Notion workspace with a ready-to-use landing page, email templates, and copy you can adapt. No need to create anything from scratch - we've done the design work for you.

What if customers have questions about their eligibility? 

We handle all customer support. Your team never has to deal with medical questions, insurance issues, or compliance concerns. We're the experts - let us handle it.

Can I try this risk-free? 

Absolutely. There are no contracts, no setup fees, and you can stop anytime. Most merchants see increased conversions within the first week of adding our badge to their product pages.

Want to Offer HSA/FSA Savings

Without the Legal Headaches? 

Increase sales and build customer trust, while keeping your brand fully protected.