$150B+
Annual consumer funds sitting in HSA and FSA accounts. FSA dollars face use-it-or-lose-it deadlines every year.
Checkout Champ Integration
Why run Medpaid through Checkout Champ?
Medpaid is purpose-built for health and wellness merchants. Paired with Checkout Champ's high-converting funnel infrastructure, you get payment processing that actually scales.
Trusted by 500+ DTC health and wellness merchants
Merchant Impact
Why HSA/FSA at checkout changes your P&L
30%+
Sales lift observed on well-qualified Medpaid merchants when HSA/FSA payment is offered at checkout.
Higher AOV
Customers spending pre-tax dollars consistently build larger carts, especially on subscription and bundle offers.
The Why
Your customers already have the money. You're just not letting them spend it with you.
American consumers hold over $150 billion in HSA and FSA accounts. HSA funds roll over year after year and are often invested long-term. FSA funds have a hard use-it-or-lose-it deadline every plan year, and most employees under-spend them.
If you sell supplements, nutraceuticals, or health products through Checkout Champ, a meaningful percentage of your traffic is already HSA/FSA-funded. They just cannot pay you with it today.
Medpaid fixes that. We plug directly into your Checkout Champ funnel and turn HSA/FSA from a maybe-someday feature into a checkout option your customer sees, trusts, and uses.
Bottom line: shoppers already have qualified dollars in hand. Medpaid is
what lets your Checkout Champ funnel capture them.
High-risk specialty processing
Supplement, nutraceutical, and health product merchants - categories mainstream processors routinely decline or terminate without notice.
Native Checkout Champ sync
Your MIDs connect in minutes - no middleware, no fragile webhooks. Orders, refunds, and chargebacks sync automatically in both directions.
24-72 hr approvals
Our underwriting team understands DTC health brands. We review your funnel - not just your bank statements. Decisions in days, not weeks.
Chargeback management
Proactive alerts, dispute tooling, and dedicated support help keep your ratio in check so your MID stays healthy long-term.
Upsell and recurring-ready
Checkout Champ one-click upsells and subscription flows need a processor that can handle high DTC volume without flinching.
Dedicated account manager
Every Medpaid merchant gets a real named contact - not a ticket queue. We monitor proactively and flag issues before they escalate.
Who This Is For
Built for health & wellness DTC
We work best with brands that sell through Checkout Champ funnels and have products with a clear medical eligibility pathway.
Supplements & nutraceuticals
Vitamins, minerals, and condition-specific formulas.
Functional health products
Omega-3, berberine, NAC, probiotics, and herbal supplements.
Recovery & therapeutic
Joint support, sleep support, and digestive health products.
Subscription-first brands
Recurring billing works seamlessly, and LMNs can cover 12 months of shipments.
Not sure if your catalog qualifies? Our medical team reviews every product individually. A single application tells you exactly what's in, what needs an LMN, and what we cannot support.
Good Fit Products
Products we love to process
Our medical team reviews every catalog against a three-tier eligibility framework. Understanding which tier your products fall into will help you know what is instantly eligible, what needs an LMN, and what gets in via the prevention pathway.
No LMN required
Cleared by SIGIS and IRS without a Letter of Medical Necessity. These go live the fastest.
- Prenatal vitamins (folic acid-containing)
- Glucosamine / chondroitin
- Therapeutic fiber labeled as a laxative
- Electrolyte products meeting category standard
Approved with a Letter of Medical Necessity
Dual-purpose products with clear medical use cases linkable to ICD-10 diagnoses - the majority of health supplement catalogs fall here.
- Condition-specific vitamins and minerals like D, B12, iron, and magnesium
- Disease-state supplements like omega-3, berberine, and NAC
- Products with published clinical evidence for a condition
- Herbs with peer-reviewed support like milk thistle, boswellia, and ginger
- Probiotics for IBS or antibiotic-associated diarrhea with an LMN
Eligible with precise LMN language
"Soft evidence" does not mean ineligible. It means the clinical documentation needs to be more thorough - a licensed provider can still legitimately recommend these.
- Elderberry (recurrent URI, immune compromise)
- Valerian root (insomnia disorder)
- St. John's Wort (mild depression)
- Saw palmetto (BPH symptoms)
- Quercetin (allergic rhinitis, inflammation)
The Prevention Pathway - bigger than most brands realize
IRC 213(d) covers prevention of disease - not just treatment of existing conditions. A customer does not need an active diagnosis. They need a documented risk factor or pre-condition their own provider has identified.
Our medical team pre-validates which conditions and risk factors support each product. Customers select the condition that applies to them. A licensed provider in our network reviews the pairing and approves or denies the LMN.
If an HSA or FSA administrator requests clinical documentation to support a prevention-pathway claim, that responsibility rests with the customer.
Customer has an active diagnosed condition
- Iron deficiency anemia -> iron supplement
- Diagnosed IBS -> peppermint oil (enteric-coated)
- Osteoarthritis -> boswellia, glucosamine
- Migraine disorder -> magnesium glycinate
Customer has imminent risk of developing a condition
Medpaid determines HSA/FSA payment eligibility under IRS Section 213(d) — it does not evaluate, endorse, or make claims about the products on this platform. Individual product claims are the merchant’s responsibility. LMN eligibility is based on a customer’s documented medical condition or clinically assessed risk profile, not on product marketing claims.
- Pre-diabetic (HbA1c 5.7-6.4%) -> berberine, magnesium (aids prevention of T2D)
- Elevated triglycerides -> omega-3 (aids prevention of cardiovascular disease)
- Osteopenia (T-score -1.0 to -2.5) -> calcium, vitamin D (aids prevention of osteoporosis)
- Active statin use -> CoQ10 (aids prevention of statin-induced myopathy)
Auto-eligible products (Bucket A) - no LMN needed
Prenatal Vitamins
Folic acid-containing formulas. Auto-cleared under SIGIS and IRS standards.
Glucosamine and Chondroitin
Joint support products with glucosamine as the primary ingredient.
Therapeutic Fiber
Products labeled as laxatives that meet the fiber category standard.
Electrolyte Products
Formulas meeting the electrolyte category standard for medical use.
LMN-eligible products (Bucket B) - approved with a Letter of Medical Necessity
Vitamin D, B12 and Iron
Condition-specific vitamins and minerals - some of the highest-volume LMN approvals we process.
Magnesium and Chromium
Strong prevention pathways for pre-diabetics and metabolic risk patients.
Omega-3 Fish Oil
Strong evidence for elevated triglycerides and cardiovascular disease prevention.
Berberine
Compelling evidence for pre-diabetes (HbA1c 5.7-6.4%) prevention of Type 2 Diabetes.
Calcium and Collagen
Prevention pathway for osteopenia patients at risk of progressing to osteoporosis.
NAC (N-Acetyl Cysteine)
Moderate-to-strong evidence for COPD, liver conditions, and OCD - one of the broadest evidence profiles in supplements.
Peppermint Oil (enteric-coated)
Cochrane-level evidence for IBS symptom relief with one of the strongest evidence tiers in herbal supplements.
Boswellia (AKBA)
RCT-backed for joint inflammation - strong pathway for osteoarthritis and inflammatory arthritis patients.
Garlic Extract
Meta-analysis support for lipid reduction - approvable for hyperlipidemia and CVD prevention.
Milk Thistle (Silymarin)
Hepatoprotective evidence for NAFLD and MASLD prevention in metabolic syndrome patients.
Probiotics
Approvable with an LMN for digestive conditions such as IBS or antibiotic-associated diarrhea.
Not sure where your products land? Our underwriting team classifies every product in your catalog individually. When in doubt, apply - we will map your catalog to the right tier and tell you exactly what is approvable, what needs more documentation, and what needs to be excluded before you go live.
Platform-Wide Capability
Subscription & Auto-Ship Programs
Recurring billing works across all eligible product tiers. Once a customer qualifies - whether auto-eligible or LMN-approved - subscription and auto-ship orders process seamlessly through Checkout Champ.
LMNs are valid for 12 months from issuance. Recurring orders within that window are covered under the same letter - no new LMN is required for each shipment while the original remains valid.
What's Different
Why merchants choose Medpaid over alternatives
Native Checkout Champ integration
We are the only HSA/FSA platform with full native Checkout Champ support, including HSA-eligible subscriptions. Other providers force you onto Shopify or build half-working middleware.
High-risk processing built in
Supplement and nutraceutical brands routinely get dropped by mainstream processors. Medpaid bundles specialty processing, chargeback management, and a dedicated account manager into one relationship.
Every LMN clinically reviewed
Per IRS 2024 guidance, Letters of Medical Necessity issued from self-reported questionnaires alone are not valid. Every Medpaid LMN is reviewed by a licensed, independent provider who is compensated regardless of outcome.
Transparent eligibility, not marketing spin
We tell you up front which products are auto-eligible, which need LMNs, and which we cannot support. No surprises after you integrate.
Not a Good Fit
Products and practices we cannot support
We review every application against a detailed compliance framework. Some products are automatic disqualifiers - others may just mean a portion of your catalog is excluded. Understanding this upfront will save everyone time.
Automatic Disqualifiers
Disease Cure or Treatment Claims
Marketing that says a product cures, treats, or eliminates a specific disease - for example, cures diabetes or eliminates cancer - is an FDA/FTC violation and an instant disqualifier.
Active FDA Warning Letter (last 3 years)
Companies with an unresolved FDA warning letter for health claim violations cannot be onboarded. Re-application is eligible after 12 months if resolved.
Prescription Drugs and Pharmaceuticals
Any product requiring a prescription or marketed as a pharmaceutical - regardless of claimed source or natural framing.
CBD, Hemp and Cannabis Products
No clear IRS guidance exists for CBD/hemp products. All cannabis-derived products - including delta-8, delta-9, and HHC - are prohibited regardless of legality in your state.
Anabolic Steroids, SARMs and Hormone Precursors
Controlled substances, anabolic steroids, prohormones, selective androgen receptor modulators, and unsupervised hormone precursors are all excluded.
Research Chemicals and Research-Only Products
Products sold as research use only but consumed by humans are prohibited regardless of how they are labeled.
LMNs Based Solely on Self-Reported Information
Per IRS 2024 guidance, Letters of Medical Necessity must be grounded in objective clinical evaluation - lab work, physical examination, or documented medical history. Questionnaire-only approvals are not valid and will be rejected.
May Cause Partial Exclusions
Pure Sports Performance Products
Pre-workout stacks, stimulant formulas, and performance-only BCAAs with no medical condition pathway. These specific products will be excluded from your program - but do not disqualify your whole catalog.
Beauty and Cosmetic Supplements
Hair gummies, skin brightening blends, and pure aesthetics-focused products with no diagnosable condition link. These cannot be approved under IRC 213(d) standards.
General Wellness Boost Products
Immunity boosters or energy blends with no specific diagnosis pathway. If a product cannot be linked to a recognizable ICD-10 condition - either treatment or prevention - it cannot be approved.
Proprietary Blends with Undisclosed Amounts
Products that do not disclose individual ingredient amounts cannot be medically justified in an LMN. Full label transparency is required for any approved product.
Brands Positioned Entirely Around Performance or Aesthetics
If your entire brand identity across website, packaging, and ads is performance or beauty with zero medical or condition-specific framing, we will need to discuss repositioning before approval.
The catalog ratio rule
60%+ eligible -> Full pass
35-59% -> Conditional
<35% -> Declined
Our underwriting scores your entire product catalog. If fewer than 35% of your products have a clear medical eligibility pathway, we cannot build a compliant program - even if some individual products would qualify. A healthy mix is the baseline for approval.
The IRS has flagged fee-for-note services that issue LMNs from self-reported information alone with no clinical review. Every Medpaid LMN requires individual review by a licensed, independent provider who approves or denies based on the customer's stated condition and the specific product being purchased - not an automated system. Providers are compensated regardless of outcome, eliminating any financial incentive to approve.
Products on the may-exclude list do not automatically kill your application. They just mean those specific SKUs will not be part of your Medpaid program. Many brands have mixed catalogs - we will work through it during review and clearly document which products are in or out before you go live.
Revenue modeling
Estimate what HSA/FSA-enabled Checkout Champ revenue could look like.
Use your current order volume and AOV, then adjust the assumptions to match your funnel. The calculator shows projected HSA/FSA revenue, Medpaid fees, and the AOV lift merchants often see.
Your numbers
Start with what you know.
Monthly orders All orders, not HSA/FSA-only
Average order value (AOV) Today's blended AOV
$
HSA/FSA share of orders % of orders paid with HSA/FSA
HSA/FSA AOV lift How much bigger HSA/FSA orders run
Projected monthly outcome
What Medpaid means for your top line
New HSA/FSA revenue / month
Gross sales from HSA/FSA orders you wouldn't have otherwise
$0
Medpaid platform fee
6.5% of HSA/FSA revenue | $500 monthly minimum
$0
Health assessment fee
0 HSA/FSA orders x 1.7 products x $3
$0
Total Medpaid cost / month
$0
HSA/FSA order AOV
Regular AOV to HSA/FSA AOV
$0 → $0
Heads up: At this volume, the calculated 6.5% platform fee comes in under the $500/month minimum. The platform fee stays at $500 until your HSA/FSA revenue reaches about $0/month. The per-product assessment fee scales independently.
Annualized HSA/FSA revenue
$0
Annualized Medpaid cost
$0
What's included
Simple pricing. No surprises.
- + Credit card processing No separate Stripe processor fee. Approximately 2.5% of the 6.5% platform fee.
- + Health assessment and Letter of Medical Necessity Required for HSA/FSA reimbursement eligibility. $3 per assessment, performed by Medpaid's licensed practitioner network.
- + Native checkout integration WooCommerce or Checkout Champ integration, customer support, compliance, and ongoing platform updates.
The biggest variable isn't volume
Success comes from early HSA/FSA messaging.
The merchants who see the strongest lift are the ones who tell their customers about HSA/FSA early on product pages, in ads, in email, and in the cart, not just at checkout.
These projections assume your funnel surfaces HSA/FSA where customers can find it. We'll help you build that messaging when you onboard.
Ready to Get Started?
Apply for your Medpaid account today
Tell us about your Checkout Champ store and products. Our team reviews every application personally and most merchants receive a decision within 24-72 hours.
Takes about 5 minutes to complete
500+ Active merchants
24hr Avg. decision time
98% Merchant retention
Dedicated account manager
Native Checkout Champ integration
PCI DSS compliant