Reason code

This code is used when a transaction tied to a healthcare spending account is being audited. It applies to purchases made using an FSA or HSA card at a merchant using an Inventory Information Approval System (IIAS). The issuer is requesting item-level detail to verify that the purchase met the eligibility rules for the account.

It’s important to keep in mind that this is not a chargeback; it’s a request for documentation. If the merchant doesn’t respond or the documentation doesn’t support the transaction, it could escalate to a chargeback.

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To respond, submit documentation that proves the items or services were eligible healthcare expenses:

• Itemized Receipt: Show the name, description, and price of each item.
  

• IIAS Approval Logs: If available, include system-generated logs from the IIAS confirming real-time approval at the point of sale.

• Any Supporting Notes: Include notes if certain items require explanation, such as prescriptions for over-the-counter goods.

To reduce the chances of IIAS-related retrievals under reason code 6343:

• Use a Certified IIAS: Make sure your POS is properly configured to approve only eligible healthcare items.
  
  
• Separate Eligible and Ineligible Items: At checkout, flag or split transactions when a customer buys both qualified and unqualified items.
  
  
• Give Detailed Receipts: List product names and descriptions, not just generic item codes.
  
  
• Educate Cashiers: Brief your team on how the system works and what to look for in mixed transactions.

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