#ratan_api
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cobalt shale
Hello Soma,
Health Savings Accounts (HSA)
Flexible Spending Accounts (FSA)
HSA and FSA test cards
Below are test card numbers for simulating transactions using Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These accounts are commonly used for medical expenses and testing with them ensures proper handling of healthcare-related transactions within your application.
eager ingot
thanks for the clarification!
Currently, when testing with Stripe test cards, the funding field always returns credit
what where you expecting to see instead?
cobalt shale
this should be either a prepaid or debit card types
hollow scarabBOT
pallid fossil
👋 taking over for my colleague. Let me catch up.
cobalt shale
okay
pallid fossil
this should be either a **prepaid** or **debit** card types
you can use the funding field https://docs.stripe.com/api/payment_methods/object#payment_method_object-card-funding
cobalt shale
Yes, I'm using this funding field only
My question is why I'm getting funding as **credit on (HSA,FSA) types of cards.
Here is the example
** "funding": "credit",**
stripe.PaymentMethod.retrieve("pm_card_debit_visaFsaProductCode")
2026-01-12 10:08:13,193 INFO stripe message='Request to Stripe api' method=get path=https://api.stripe.com/v1/payment_methods/pm_card_debit_visaFsaProductCode [PID:61743:MainThread]
2026-01-12 10:08:13,870 INFO stripe message='Stripe API response' path=https://api.stripe.com/v1/payment_methods/pm_card_debit_visaFsaProductCode response_code=200 [PID:61743:MainThread]
Out[3]:
<PaymentMethod payment_method id=pm_1Soi2jLriIQWhD0DEHZC3agK at 0x125629d60> JSON: ||{ "allow_redisplay": "unspecified", "billing_details": { "address": { "city": null, "country": null, "line1": null, "line2": null, "postal_code": null, "state": null }, "email": null, "name": null, "phone": null, "tax_id": null }, "card": { "brand": "visa", "checks": { "address_line1_check": null, "address_postal_code_check": null, "cvc_check": "unchecked" }, "country": "US", "display_brand": "visa", "exp_month": 1, "exp_year": 2027, "fingerprint": "plYhRaQh4DefgGJ3", "funding": "credit", "generated_from": null, "last4": "0072", "networks": { "available": [ "visa" ], "preferred": null }, "regulated_status": "unregulated", "three_d_secure_usage": { "supported": true }, "wallet": null }, "created": 1768212493, "customer": null, "customer_account": null, "id": "pm_1Soi2jLriIQWhD0DEHZC3agK", "livemode": false, "metadata": {}, "object": "payment_method", "type": "card" }||
pallid fossil
it seems that we defaulted the funding to "credit"
I'm not an expert in HSA/FSA but is there a scenario where either would be of funding type "credit"?
cobalt shale
We currently pass the card fee to the customer only when the payment is made using a credit card. However, for HSA/FSA cards, we should not pass this fee. To handle this correctly, we need a way to identify HSA/FSA cards before applying the card fee to the customer.
could you please assist any other way as well
pallid fossil
ok I do understand, I will pass it on to the team that handles generating test cards
would changing the funding be enough for you to be able to test it out?
in all cases, you can still do the logic and in livemode this would work as expected
if you base your logic on the funding I mean
cobalt shale
yes, but on live mode what it will be returning ??
cobalt shale
Could you please confirm what the card funding value is for HSA/FSA cards in live mode? Specifically, we’d like to know whether these cards are returned as debit, prepaid, or credit or another funding type.
pallid fossil
in that case, I think it's better if you contact https://support.stripe.com/?contact=true
they will be able to get you the right answer asynchronously.
cobalt shale
Thanks