Using your FSA/HSA card on Instacart

How to add your card

If you don’t see the option to add your FSA/HSA card on the Instacart app, please update to the latest version—at least 7.201.0 for iOS and 7.81.1 for Android.

Add a card on the Instacart website—

  1. At the top left, click the 3 horizontal lines.
  2. Click Your account settings.
  3. Click Payment methods.
  4. Click FSA/HSA under Add payment method.
  5. Enter card information and billing address. Then click Save.

Add a card on the Instacart app—

  1. Tap the Account icon.
  2. Tap Settings.
  3. Select Debit/Credit, PayPal, and more under Payment methods.
  4. Tap Add next to FSA/HSA.
  5. Enter card information and billing address. Then tap Save.

Add a card at checkout—

  1. Select FSA/HSA under Add payment method.
  2. Enter your FSA/HSA card number, expiration date, CVV, and click Add payment method.

Remove a FSA/HSA card—

  1. Select the 3 horizontal lines in the top left corner.
  2. Select Your account settings.
  3. Select Payment methods.
    • From the app, select the pencil icon in the top right corner, tap the red “minus” icon next to the card you want to remove, and Delete.
    • From the web, select Delete next to the payment method you want to remove.

You can’t place an order using both an FSA/HSA card and an OTC Network card/EBT SNAP.

Still need help with payment methods? Go to Updating your payment methods.

How to check out

If you already added your FSA/HSA card—

  1. Select the cart icon in the upper right corner.
  2. Select the green Go to checkout button.
  3. Confirm your order details.
  4. Under Pay with, make sure your FSA/HSA benefit and backup payment card are selected.
  5. If not, select the payment method under Pay with.
  6. Toggle the Apply FSA/HSA benefit under Saved benefits to apply it to your order. Select Edit amount to designate the maximum amount you want applied to FSA/HSA.
  7. Select Confirm payment method.
  8. On the Your order page, confirm all information is correct.
  9. Select Place order.

If you still need to add your FSA/HSA card—

  1. Select the cart icon in the upper right corner.
  2. Select the green Go to checkout button.
  3. Ensure your delivery address, delivery instructions, and delivery time are up to date.
  4. Select the payment method under Pay with.
  5. Select FSA/HSA under Add payment method.
  6. Enter your FSA/HSA card number and any other required information and select Save.
  7. Make sure the FSA/HSA benefit is toggled on under Saved benefits to apply it to your order. Select Edit amount to designate the maximum amount you want applied to FSA/HSA.
  8. Select Confirm payment method.
  9. On the Place order page, confirm all information is correct.
  10. Select Place order.

Eligible items

Items eligible for this benefit show an FSA/HSA tag. Exact item eligibility may vary by plan. Please contact your plan administrator to confirm that the items and fees in your order are eligible under your plan.

Benefit periods

Your FSA/HSA card charges on the delivery date for the cost of eligible items, taxes and fees. Orders placed in advance may fall into a new benefit period.

For example, if you have annual benefits and place an order on December 30 for delivery on January 2, eligible items and fees deduct from your January benefits period.

Additions and substitutions

Items added or substituted after checkout charge to your FSA/HSA card if you authorized sufficient funds, and items qualify as eligible. Ineligible items or fees and additional costs charge to your backup payment methods.

Contact your provider to see the specific items and/or fees covered under your FSA/FSA plan.

FSA/HSA reimbursements

If you don’t use FSA/HSA as a payment at checkout, you may still get reimbursed for eligible items purchased through Instacart.

Look for the badge that says FSA/HSA Eligible when shopping on the Instacart platform to see which items may qualify for FSA or HSA reimbursement. You must submit a receipt of the eligible products you purchase to your benefits provider for reimbursement.

Please note that your Instacart receipt shows the delivery date, not the date you place the order. This may impact your ability to get reimbursement, as you generally forfeit unused FSA funds if not used during the 1-year period. HSA funds typically do not expire. Contact your plan administrator or employer for more information or with item eligibility questions.

You can find a list of healthcare products eligible for FSA and HSA reimbursement at Publication 969 on the IRS website or by contacting your FSA or HSA plan provider. Instacart provides eligibility information for your convenience. Instacart does not guarantee the accuracy of the information. Please note that gift orders, tips, and certain other fees may not qualify for reimbursement.