other transactions are not concurrently being deducted from the cardholder tax advantaged account that would result in insufficient funds if the newly retrieved balance of the cardholder tax advantaged account is not sufficient to cover the deductions expected from the current transaction in step 796 an error is sent to the retailer in step 798 if the newly retrieved balance of the cardholder tax advantaged account is sufficient to cover the deductions expected from the current transaction in step 796 the tax advantaged account administrator is requested in step 799 to put a new hold on the cardholder tax advantaged account the method continues to step 788 fig8 a and 8b describe a system 800 by all the entities that can be involved and interconnected by a network 802 a communications interface 808 is private to a retailer manager 810 system 800 further includes a retailer information storage 812 a qualification manager 814 a qualification information storage 816 a health condition list manager 820 a health condition list storage 822 a company policy manager 830 a company policy storage 832 a retailer discount manager 840 a retailer discount storage 842 an employee registration manager 850 an employee registration storage 852 a health condition approval manager a flexible spending account fsa discount manager 860 a qualification status identifier 862 an alternate payment manager 864 a transaction verification manager 870 a hold.