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  • Multicard Checkout Options
  • Fully Eligible Carts
  • Mixed Carts (Eligible + Ineligible Items)
  • Fully Ineligible Carts
  • Why It Matters
  • 1. For Fully Eligible Carts
  • 2. For Mixed Carts
  • Fully Eligible Cart
  • Mixed Cart (Eligible and Ineligible Items)
  • Fully Ineligible Cart
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Multicard Checkout: Split Payments with HSA/FSA & Personal Cards

A seamless way for customers to split their payment between an HSA/FSA card and a personal debit or credit card

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We’re excited to announce the launch of Truemed’s new checkout experience: Multicard Checkout — a seamless way for customers to split their payment between an HSA/FSA card and a personal debit or credit card.

This feature is designed to reduce failed payments and abandoned checkouts, whether a customer is purchasing fully eligible items or a mix of eligible and ineligible ones.

Watch the multicard checkout experience here.

Multicard Checkout Options

With the new experience, your customers can now choose from a variety of payment options based on their cart contents:

Fully Eligible Carts

  • Pay in full with HSA or FSA
  • Pay in full with debit or credit card
  • Split payment between HSA/FSA and a personal card

Mixed Carts (Eligible + Ineligible Items)

  • Pay in full with debit or credit card
  • Split payment between HSA/FSA (for eligible items) and a personal card (for ineligible items)

Fully Ineligible Carts

  • Pay in full with debit or credit card

Why It Matters

This feature was built to eliminate two major checkout pain points:

1. For Fully Eligible Carts

If a customer’s HSA/FSA card doesn’t cover the full amount (due to daily limits or insufficient balance), they can now cover the remaining balance with a personal card — no failed transaction, no lost sale.

2. For Mixed Carts

Customers can now split payment automatically, using their HSA/FSA card for eligible items and a personal card for the rest. This removes the need for reimbursements and makes the process frictionless.

Fully Eligible Cart

Fully eligible cart checkout

Mixed Cart (Eligible and Ineligible Items)

Mixed cart checkout

Fully Ineligible Cart

Fully ineligible cart checkout