Managing Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) involves navigating complex processes for benefits providers, requiring seamless coordination among employers, employees, and financial institutions to ensure compliance with regulatory requirements and tax laws. A significant challenge is accessing employers' payroll data to enroll eligible employees, manage payroll deductions accurately, and address mid-year changes in contributions. HSAs and FSAs are tax-advantaged accounts that help employees save pre-tax dollars for medical expenses, with HSAs offering more flexibility and rollover options compared to FSAs. Payroll integrations play a crucial role in streamlining these processes by automating data exchange between payroll systems and benefits administration software, thus reducing manual errors, simplifying tax compliance, and enhancing the overall experience for employers and employees. Leveraging secure payroll APIs, such as those offered by Finch, enables providers to automate eligibility verification, update payroll deductions, and maintain strong data security, ultimately improving the efficiency and security of benefits administration.