Denied and ineligible Gusto benefits card transactions

If you’ve used your card on a denied or ineligible expense, we’ll send an email to let you know. To correct the balance, you have two options:

  • Offset the balance with an eligible expense. You can pay for an eligible expense out-of-pocket and submit the receipt on your Benefits Card Manager account. Once we receive the receipt, the amount that you paid will go toward your balance. Once the amount has evened out, your card will be reactivated. For example, if you owe $10 and you submit a claim for $15, you’ll be reimbursed $5.
  • Pay us back. If you’d like to pay back the amount of the denied transaction, send us an email at and we’ll give you instructions.

Questions & Answers

Q: Why was my transaction denied?

A: Your transactions will only be approved if you use your card on eligible expenses. For information about eligible Health FSA expenses, visit this list from the IRS.

Q: Where can I submit a receipt?

A: Sign into your Gusto Benefits Card Manager account and navigate to the Claims dropdown menu at the top of the dashboard, then click Add claim for immediate reimbursement.

Note: This is relevant for customers who have their benefits managed by Gusto. If your FSA is managed externally, please reach out to your account administrator for guidance.



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