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If Merchants implements the SIGIS IIAS, are they guaranteed 100% acceptance of the healthcare debit cards in the market?

April 26, 2017acceptance cards Debit guaranteed Healthcare iias implements Merchants sigis

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If Merchants implements the SIGIS IIAS, are they guaranteed 100% acceptance of the healthcare debit cards in the market?

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While an IIAS system is required for non-healthcare Merchants to accept FSA and HRA cards under the IRS guidelines, having an IIAS solution will not guarantee 100% acceptance of cards. Many SIGIS member issuer/processors and the majority of their TPA clients supporting FSA and HRA cards have enabled SIGIS IIAS processing to authorize and auto-substantiate transactions; however, some employer benefit plans may require a level of transaction detail that is not accounted for with an IIAS solution, thereby, preventing acceptance even at Merchants with a fully certified IIAS solution. In addition, normal decline issues can occur for expired cards, insufficient funds, cards not activated and other reasons.