Online Payments

US health benefit cards

Consumers use health benefit cards, such as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards, to make qualified health-related online purchase payments. Visa and Mastercard support health benefit card transactions.

Your J.P. Morgan account profile must be enabled for you to accept health benefit cards. Additional health benefit payment related requirements apply if you are required to register with the Special Interest Group for Inventory Information Approval System (IIAS) Standards (SIGIS).

Note

If you process under an approved medical Merchant Category Code (MCC), no additional requirements are necessary to process health benefit card transactions. Send health benefit card transactions in the same manner as other payment transactions. However, if you process under a non-medical MCC, verify which of the following requirements apply to you:

Registration with SIGIS
Registration for health benefit card transactions with the card brands (Mastercard and Visa)
Certification of health benefit card transactions with J.P. Morgan
Implementation of an IIAS
Submission of additional health benefit related fields on transactions

Additional health benefit transaction request fields for a non-medical MCC
Field	Required	Description
totalHealthcareAmount	Y	Specifies the total monetary value of the qualified health benefit purchase.
totalVisionAmount		Specifies the total monetary value of the qualified vision/optical purchase.
totalClinicAmount		Specifies the total monetary value of the qualified clinic and other purchases.
totalDentalAmount		Specifies the total monetary value of the qualified dental purchase.
totalPrescriptionAmount		Specifies the total monetary value of the qualified prescription purchase.
isIIAS	Y	Indicates the merchant operates an IIAS to calculate the `totalHealthcareAmount` for the transaction. Required for each transaction to comply with an IIAS.

Tip

Send health benefit card authorizations with support for partial authorizations to allow for approval of an amount less than the requested authorization amount based on the available balance of the HSA/FSA card. For field requirements, refer to partial authorization support.

Additional health benefit transaction response fields for a non-medical MCC
Field	Description
totalHealthcareAmount	Specifies the approved total monetary value of the qualified health benefit purchase, which could be less than the requested amount if partial authorization is supported.
totalVisionAmount	Specifies the approved total monetary value of qualified vision/optical purchase, which could be less than the requested amount if partial authorization is supported.
totalClinicAmount	Specifies the approved total monetary value of qualified clinic and other purchases, which could be less than the requested amount if partial authorization is supported.
totalDentalAmount	Specifies the approved total monetary value of qualified dental purchase, which could be less than the requested amount if partial authorization is supported.
totalPrescriptionAmount	Specifies the approved total monetary value of qualified prescription purchase, which could be less than the requested amount if partial authorization is supported.
isIIAS	Indicates the merchant operates an IIAS to calculate the `totalHealthcareAmount` for the transaction. The response echoes the value in the request (`true` or `false`).

The following is an example of a health benefit card payment request:

HTTP method: POST
Endpoint: /payments

Note

If you are not IIAS-certified, do not include the healthcareData object in your request.

Json

{
    "captureMethod": "NOW",
    "amount": 10000,
    "currency": "USD",
    "statementDescriptor": "statement",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "paymentMethodType": {
        "card": {
            "accountNumber": "5299999999999990",
            "expiry": {
                "month": 5,
                "year": 2040
            },
            "cvv": "613"
        }
    },
    "merchant": {
        "merchantSoftware": {
            "companyName": "J.P. Morgan Chase",
            "productName": "Application name",
            "version": "1.0"
        }
    },
    "accountHolder": {
        "billingAddress": {
            "line1": "1 NORTHEASTERN BLVD",
            "line2": "",
            "city": "BEDFORD",
            "state": "NH",
            "postalCode": "03109",
            "countryCode": "USA"
        }
    },
    "retailAddenda": {
        "taxAmount": 100,
        "isTaxable": true,
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "healthcareData": {
            "totalHealthcareAmount": 10000,
            "totalVisionAmount": 0,
            "totalClinicAmount": 9000,
            "totalDentalAmount": 0,
            "totalPrescriptionAmount": 1000,
            "isIIAS": true
        }
    }
}

Response:

Json

{
    "transactionId": "bbac95b6-dec9-49de-b264-33ba8758be07",
    "requestId": "b625213c-c148-4d0a-b0cb-664753c9f0bc",
    "transactionState": "CLOSED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "paymentMethodType": {
        "card": {
            "cardType": "MC",
            "cardTypeName": "MASTERCARD",
            "maskedAccountNumber": "529999XXXXXX9990",
            "networkResponse": {
                "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
                "addressVerificationResultCode": "I3",
                "additionalData": {
                    "electronicCommerceIndicator": "7",
                    "authorizationResponseCategory": "X - Not supported MOP"
                },
                "cardVerificationResult": "MATCH",
                "cardVerificationResultCode": "M",
                "networkTransactionId": "FAK5299990313",
                "paymentAccountReference": "ASG4B48SMC3GDN692I1ZAI12T7F5G",
                "networkResponseCode": "000"
            }
        }
    },
    "captureMethod": "NOW",
    "captureTime": "2024-03-13T21:10:28.026Z",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "isVoid": false,
    "transactionDate": "2024-03-13T21:10:28.026Z",
    "approvalCode": "tst452",
    "hostMessage": "Approved",
    "amount": 10000,
    "currency": "USD",
    "remainingRefundableAmount": 10000,
    "remainingAuthAmount": 0,
    "hostReferenceId": "V6AvKG1PV2a1pDgV2bOcS2",
    "statementDescriptor": "statement",
    "merchant": {
        "merchantId": "000017904374",
        "merchantSoftware": {
            "companyName": "J.P. Morgan Chase",
            "productName": "Application name",
            "version": "1.0"
        },
        "merchantCategoryCode": "5912"
    },
    "retailAddenda": {
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "taxAmount": 100,
        "isTaxable": true,
        "healthcareData": {
            "totalHealthcareAmount": 10000,
            "totalVisionAmount": 0,
            "totalClinicAmount": 9000,
            "totalDentalAmount": 0,
            "totalPrescriptionAmount": 1000,
            "isIIAS": true
        }
    },
    "paymentRequest": {
        "paymentRequestId": "bbac95b6-dec9-49de-b264-33ba8758be07",
        "paymentRequestStatus": "CLOSED",
        "authorizations": [
            {
                "authorizationId": "bbac95b6-dec9-49de-b264-33ba8758be07",
                "amount": 10000,
                "transactionStatusCode": "CAPTURED",
                "authorizationType": "INITIAL"
            }
        ],
        "captures": [
            {
                "captureId": "bbac95b6-dec9-49de-b264-33ba8758be07",
                "amount": 10000,
                "transactionStatusCode": "CLOSED",
                "captureRemainingRefundableAmount": 10000
            }
        ]
    }
}

Partial authorization support

US health benefit cards

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