Naboso has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy eligible Naboso products with pre-tax dollars.

An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are tax-advantaged accounts for medical expenses but differ in key aspects. FSAs, employer-sponsored, allow employees to use pre-tax dollars for medical expenses such as prescriptions and copays, but typically feature a "use-it-or-lose-it" policy where funds must be used within the plan year. HSAs are available to those with a high-deductible health plan and offer more flexibility, allowing funds to roll over annually.

To use your HSA or FSA debit card, add eligible products to your cart as usual. At checkout, select “Flex | Pay with HSA/FSA” as your payment option, enter your HSA or FSA debit card, and complete your checkout as usual. If you don’t see “Flex | Pay with HSA/FSA,” you may be in Shop Pay. Select “checkout as guest” to view more payment options.

If you were prompted to enter a verification code when logging in or at checkout, you’re likely using ShopPay.

ShopPay is Shopify’s express checkout option that lets you use your saved profile information across any Shopify-powered store. It speeds up the checkout process by skipping most of the standard steps.

Want to Use Your HSA/FSA with Flex?

If you’d prefer to check out using Flex to apply your HSA or FSA card, you’ll need to exit ShopPay. Here’s how:

1. On the ShopPay screen, scroll to the bottom.
2. Select “Check out as guest.”
3. This will redirect you to the standard checkout process, where you can select Flex as your payment method.

If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement.

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

No, unfortunately, this isn't a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can submit for reimbursement.

Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart with non-eligible items, the tax will be divided among the cards based on the eligible vs non-elgible items.