Healthcare Card Feature

Today, there are several types of Healthcare accounts that allow participants to use pre-tax money for the purchase of IRS approved healthcare products and services, such as prescription medications and office visit payments/co-pays. The most common of these accounts are Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and Health Savings Accounts (HSAs). In order to provide consumers with a more convenient method of making use of these accounts, certain issuers provide signature based, Mastercard or Visa branded, healthcare payment debit cards.

To facilitate the processing of transactions related to these cards, Worldpay augmented the cnpAPI with elements specific to Healthcare card purchases. We added the healthcareIIAS element to the Authorization and (Conditional) Sale transaction types. You use this element and its children to detail the costs associated with Healthcare related, IIAS approved items purchased by the consumer. The example below shows an Authorization transaction with IIAS items.

Example:  Authorization with healthcareIIAS Element

The example below includes the dentalAmount element to show all available amount classifications. Since this is an optional element and has a value of 0 in the example, you can omit it. Also, note that the visionAmount is not included in the totalHealthcareAmount, since this is a Visa transaction.

<cnpOnlineRequest version="12.3" xmlns="http://www.vantivcnp.com/schema" merchantId="100">

  <authentication>

    <user>User Name</user>

    <password>Password</password>

  </authentication>

  <authorization id="834262" reportGroup="ABC Division" customerId="038945">

    <orderId>123456789</orderId>

    <amount>5500</amount>

    <orderSource>ecommerce</orderSource>

    <billToAddress>

      <name>John Smith</name>

      <addressLine1>100 Main St</addressLine1>

      <city>Boston</city>

      <state>MA</state>

      <zip>12345</zip>

      <email>jsmith@someaddress.com</email>

      <phone>555-123-4567</phone>

    </billToAddress>

    <card>

      <type>VI</type>

      <number>4000000000000001</number>

      <expDate>1211</expDate>

      <cardValidationNum>555</cardValidationNum>

    </card>

    <cardholderAuthentication>

      <authenticationValue>BwABBJQ1gJDUCAAAAAAA=</authenticationValue>

      <authenticationTransactionId>gMV75TmjAgk=</authenticationTransactionId>

    </cardholderAuthentication>

    <allowPartialAuth>true</allowPartialAuth>

    <healthcareIIAS>

      <healthcareAmounts>

        <totalHealthcareAmount>5500</totalHealthcareAmount>

        <RxAmount>4000</RxAmount>

        <visionAmount>5000</visionAmount>

        <clinicOtherAmount>1500</clinicOtherAmount>

        <dentalAmount>0</dentalAmount>

<copayAmount>0</copayAmount>

      </healthcareAmounts>

      <IIASFlag>Y</IIASFlag>

    </healthcareIIAS>

  </authorization>

</cnpOnlineRequest>

Please keep in mind the additional following requirements/recommendations:

The information below is not intended as an exhaustive list of the requirements for the acceptance of Healthcare cards by merchants. While Worldpay may be able to provide some information, merchants are responsible for the awareness of and adherence to all applicable regulatory requirements imposed by the Internal Revenue Service, other government agencies, and other interested parties (for example, Visa, Mastercard, SIGIS, etc.)

  • You must become a member of the Special Interest Group for IIAS Standards (SIGIS)

  • You must obtain and maintain SIGIS certification

  • Merchants, except those with healthcare related MCCs, must have an Inventory Information Approval System (IIAS) used to identify eligible healthcare purchases as defined and required by the Internal Revenue Code

  • You must obtain special account numbers from Visa and Mastercard to process these transactions

  • You must support data retention and retrieval of line item details for eligible healthcare products included in Healthcare Card transactions

  • You must complete Worldpay Certification Testing for the use of this feature, as well as the Partial Auth feature

  • For Visa transaction, do not include the visionAmount in the totalHealthcareAmount

  • Transactions must include the IIASFlag element set to Y