Skip to content
English
Sign in
Home
  • There are no suggestions because the search field is empty.

HSA Card Decline Codes and What They Mean?

Health Savings Account (HSA) cards are a convenient way for customers to pay for eligible healthcare expenses. However, sometimes transactions may be declined. This guide explains the most common HSA card decline codes, what they mean, and how to resolve them.

Decline Code Description Likely Cause Resolution Steps
51 Insufficient Funds The HSA account does not have enough money to cover the transaction. Cardholder will need to verify their HSA balance with their bank or benefits provider.
54 Expired Card The card has expired. Cardholder will need to request a new HSA card from their bank or plan administrator.
62 Restricted Card Card is restricted for non-healthcare use. Merchant should ensure the terminal is set up for healthcare transactions (e.g., correct MCC or IIAS compliance). Sales rep may assist with merchant setup questions.
14 Invalid Card Number Incorrect card number was entered or the card was not read properly. Cardholder will need to re-enter or swipe/insert/tap the card again. They should verify the card details are correct.
05 Do Not Honor Bank declined the transaction for unspecified reasons. Cardholder will need to contact their bank to determine why the transaction was declined.
57 Transaction Not Permitted Merchant type not eligible to accept HSA cards. Merchant should verify that their MCC is healthcare-related. Sales rep may coordinate merchant eligibility setup if needed.
91 Issuer Unavailable Card processor could not reach the issuing bank. Cardholder will need to retry the transaction later. If the issue persists, they may use a different form of payment.
96 System Error General system malfunction. Cardholder will need to retry the transaction. If issues continue, the sales rep can assist the merchant in contacting their processor.

Best Practices for Avoiding HSA Card Declines

  • Ensure Proper MCC: Your business should be categorized under a healthcare-related MCC (e.g., pharmacy, medical office).

  • Use IIAS-Enabled Terminals: If selling both eligible and non-eligible items, ensure you use an Inventory Information Approval System (IIAS) compliant terminal.

  • Clear Signage: Inform customers that you accept HSA/FSA cards for eligible expenses only.