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# Multicard checkout: split payments with HSA/FSA & personal cards

> How Truemed's Multicard Checkout lets customers split payment between an HSA/FSA card and a personal debit or credit card.

**Multicard Checkout** is Truemed's checkout experience that lets customers split their payment between an HSA/FSA card and a personal debit or credit card.

This feature is designed to reduce failed payments and abandoned checkouts, whether a customer is purchasing fully eligible items or a mix of eligible and ineligible ones.

Watch the multicard checkout experience [here](https://www.loom.com/share/a140239f6da64f5ba6d8838283d913aa?sid=17afcc8b-3997-46d4-891f-6f419ab57a21).

## Multicard checkout options

With the new experience, your customers can now choose from a variety of payment options based on their cart contents:

### Fully eligible carts

* Pay in full with HSA or FSA
* Pay in full with debit or credit card
* **Split payment** between HSA/FSA and a personal card

### Mixed carts (eligible + ineligible items)

* Pay in full with debit or credit card
* **Split payment** between HSA/FSA (for eligible items) and a personal card (for ineligible items)

### Fully ineligible carts

* Pay in full with debit or credit card

## Why it matters

This feature was built to eliminate two major checkout pain points:

### 1. For fully eligible carts

If a customer's HSA/FSA card doesn't cover the full amount (due to daily limits or insufficient balance), they can now cover the remaining balance with a personal card -- no failed transaction, no lost sale.

### 2. For mixed carts

Customers can now split payment automatically, using their HSA/FSA card for eligible items and a personal card for the rest. This removes the need for reimbursements and makes the process frictionless.

## Fully eligible cart

![Fully eligible cart checkout](/_fern-img/9c97858a0566392a2bb5e892046788caf431475634300529234fba088c490c3d.webp)

## Mixed cart (eligible and ineligible items)

![Mixed cart checkout](/_fern-img/500d13ae0baa0a702c21fb43adafb1854eceddc16c5c2ae5a4ede2703004f52b.webp)

## Fully ineligible cart

![Fully ineligible cart checkout](/_fern-img/903c544d9681cf6d8dc3a0964f7153943706414617fedf5cb58588e2ed1c06be.webp)