Multicard checkout: split payments with HSA/FSA & personal cards

Multicard Checkout is Truemed’s checkout experience that lets customers 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

Mixed cart (eligible and ineligible items)

Fully ineligible cart