Turn HSA/FSA Into Your Next Revenue Channel
Accept pre-tax health spending at checkout. VeloMED handles qualification, compliance, and LMN generation — so you capture orders you'd otherwise lose.
Merchant Pathways
One platform, two integration paths, and the qualification workflows needed to cover every eligible product and service.
Widget Embed
A lightweight JavaScript widget that drops into any checkout page. Works with Shopify, WooCommerce, BigCommerce, custom builds, and any web platform.
API Integration
Full control for custom integrations. Our API handles session creation, survey submission, status polling, LMN retrieval, and webhook-driven automation.
Pathway 1: Direct Eligibility
For products that are HSA/FSA-eligible by default — no Letter of Medical Necessity required.
Pathway 2: AI-Assisted Qualification
For dual-use products and services that require clinical justification. VeloMED runs the entire workflow automatically.
Why Merchants Choose VeloMED
Revenue Impact
Customers spend more confidently with pre-tax dollars. Merchants report higher AOV and improved conversion rates after enabling HSA/FSA checkout.
Speed to Market
Integrate with a single script tag. No backend changes. Configure your products, set your API key, and start accepting HSA/FSA payments.
Full-Stack Compliance
Provider-led clinical evaluation, LMN generation, quality review, and provider oversight. HIPAA-ready architecture, IRS Publication 502 compliance built in.
Integration Options
Choose the approach that fits your stack, then launch with either embedded checkout UX or a fully customized API flow.
How the widget works
A lightweight JavaScript widget that drops into any checkout page and guides customers from survey to qualification without leaving your storefront.
API capabilities overview
Full control for custom builds with session orchestration, eligibility status, document retrieval, and webhook-driven back office flows.
- ✓Create qualification sessions
- ✓Submit health surveys
- ✓Poll eligibility and review status
- ✓Retrieve completed LMNs
- ✓Receive HMAC-signed webhook events
<!-- 1. Load the VeloMED widget -->
<script src="https://cdn.velomed.com/widget/v1/velomed.js"></script>
<!-- 2. Initialize with your config -->
<script>
VeloMED.init({
apiKey: 'vm_live_your_key_here',
productSku: 'GARMIN-FENIX-8',
productName: 'Fitness Smartwatch',
productCategory: 'Health Tech',
amount: 899.99,
containerId: 'velomed-checkout'
});
</script>Industries We Serve
We support 50+ product types across health and wellness, with service-led industries featured alongside physical goods.
Bike shops
Support cycling retailers and fit studios selling qualifying bikes, recovery tools, fittings, and adaptive gear.
Yoga studios
Turn class packs and wellness programs into HSA/FSA-ready service pathways when medically justified.
Pilates
Help reformer studios and instructors merchandise memberships, private sessions, and recovery add-ons.
Personal training
Pair individualized programs with LMN-backed qualification for medically necessary movement plans.
Gym memberships
Promote memberships, coaching, and condition-specific fitness programs as covered wellness spend.
Physical therapy
Extend clinical trust into home exercise tools, therapy sessions, and recovery programs.
Wellness & recovery
Support recovery studios and wellness brands offering saunas, cold therapy, sleep, and mobility services.
Supplements
Merchandise supplements and nutrition products alongside qualification workflows for dual-use categories.
Don't see your category? Contact us for a qualification review.
Compliance & Trust
Built on a foundation of healthcare compliance and security with explicit IRS, HIPAA, and clinical review signals.
IRS Section 213(d) alignment
Qualification logic is built for products and services that treat, prevent, or mitigate a medical condition and maps to Publication 502 expectations.
HIPAA-ready architecture
Customer health data is encrypted, isolated, and handled with privacy controls designed for protected clinical information.
Licensed provider oversight
Survey responses route into a licensed provider network for clinical evaluation, LMN issuance, and ongoing clinical governance.
Six Sigma quality control
The original merchant experience highlighted provider-led clinical review, LMN drafting, and quality review as part of a disciplined approval pipeline.
Common Questions
Most merchants go live within days. The widget requires a single script tag — no backend changes. API integrations typically take 1–2 sprints.
No. The qualification process is included. Your customer pays the same price — they simply have the option to use pre-tax HSA/FSA dollars.
They can still purchase with a regular payment method. The qualification is additive — it opens a new payment channel without blocking existing ones.
We manage the entire LMN lifecycle: health survey, licensed provider evaluation, ICD-10 coding, quality check, and document generation. All in compliance with IRS Publication 502 and telehealth regulations.
Only what's needed for clinical evaluation: age, sex, state of residence, health conditions, and risk factors. All data is encrypted, never sold, and handled under HIPAA-ready protocols.
Yes. The widget supports custom branding including colors and logo. It renders in an iframe for security isolation while matching your site's aesthetic.
Estimate Your HSA/FSA Revenue Uplift
See how much additional revenue HSA/FSA checkout could generate for your store using the original VeloMED ROI assumptions.
Formula ported from the original marketing site: additional orders = monthly transactions × 10%; AOV revenue = monthly transactions × average order value × 22%.
Additional orders (10% lift)
+100
From conversion lift
$25,000
From 22% AOV uplift
$55,000
Total monthly uplift
$80,000
Ready to unlock HSA/FSA revenue?
Start your integration today. Go live in under a week.