Payments Policy

The IRS oversees HSA and FSA eligibility and dictates that a customer must have a medical condition or disease that they are seeking to treat or manage with ZeroWheel products. Customers must have documentation that confirms their eligibility, also called a Letter of Medical Necessity. Not to worry, ZeroWheel has partnered with Flex to make this a quick and easy process for customers.

At checkout, select Flex | Pay with HSA/FSA as your payment option. You will be prompted to complete a brief telehealth consult to confirm your eligibility to pay with HSA/FSA. From there, enter your HSA or FSA debit card details and complete your checkout as usual. If you don’t have your HSA or FSA debit card handy, you can also complete the checkout with a regular credit or debit card.

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.

For more information, see Flex’s Comprehensive Guide to HSA/FSAs

In this case, none of the items in your cart may be HSA or FSA eligible. Reach out to support@zerowheel.fit if you think there is an error.

If you continue to be pushed into the ShopPay checkout, we recommend completing your purchase in an incognito window.

If you can't see "Flex | Pay with HSA/FSA" as a payment method, you may either be logged into ShopPay in which case you'll need to select "checkout as guest" or you may have a subscription purchase in your cart. Please make sure you're selecting a one-time purchase and checking out as a guest in order to use your HSA/FSA card.

Like any credit or debit card, HSA/FSAs can be declined if any of the data from the card is incorrect (number, expiration date, zip code etc). Flex will alert you in checkout if any of these fields is missing or incorrect so you can update them.

The most common reason for rejection of the card is insufficient funds. Reach out to your HSA or FSA provider to verify the amount of money in your account before attempting to complete your purchase again.

Yes, you can still be reimbursed for the expense.

Select “Flex | Pay with HSA/FSA” at checkout. Instead of entering your HSA or FSA card, input your regular credit card.

Flex will email you an itemized receipt following your purchase. Submit the itemized receipt to your HSA or FSA provider for reimbursement.

A Letter of Medical Necessity (LOMN) is a document written by a healthcare provider that explains why a specific medical service, treatment, or equipment is necessary for a patient's health. In relation to an HSA (Health Savings Account) or FSA (Flexible Spending Account), an LOMN is often required for reimbursement of expenses that are not clearly defined as eligible under the standard IRS guidelines.

Flex makes it easier for qualified customers to obtain a Letter of Medical Necessity, which is often required for HSA/FSA reimbursement. ZeroWheel has partnered with Flex to ensure a seamless purchasing experience, helping customers invest in their health and fitness with greater financial flexibility.

ZeroWheel has partnered with Flex to provide this option to customers, increasing accessibility to our product for those who want to use their Health Savings Account (HSA) or Flexible Spending Account (FSA) funds.

For questions regarding HSA/FSA payment or any other questions about your experience, email support@zerowheel.fit.