# Introduction

Digital Receipts let you send additional order information to cardholders and their banks, including subscription details, itemised breakdowns, in-flight refunds, and more. When implemented, they reduce cardholder confusion, help banks better understand charges before raising a dispute, and ultimately lower your chargeback rate.

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### How it works for cardholders

{% stepper %}
{% step %}

#### Cardholder views a transaction

A cardholder opens a transaction in their banking app.
{% endstep %}

{% step %}

#### Real-time lookup

The app performs a real-time lookup to check whether additional order data is available.
{% endstep %}

{% step %}

#### Data displayed

If data is available, it's shown directly in the cardholder's banking app alongside the transaction.
{% endstep %}
{% endstepper %}

### How it works for banking agents

{% stepper %}
{% step %}

#### Cardholder contacts their bank

A cardholder queries a transaction with their bank.
{% endstep %}

{% step %}

#### Agent opens the dispute portal

The banking agent opens the Mastercard or Visa dispute portal.
{% endstep %}

{% step %}

#### Real-time lookup

A real-time lookup checks whether additional order data is available.
{% endstep %}

{% step %}

#### Data displayed

If data is available, the agent sees it in the portal before proceeding with the dispute.
{% endstep %}
{% endstepper %}

### What data can be returned?

Depending on what's available at the time of the query, the platform automatically shapes the response to provide maximum context. This can include:

* Subscription details
* Transaction details
* Merchant details
* Refund details
* Digital deliveries
* Physical deliveries
* Hospitality booking details

{% hint style="info" %}
See the full options for enrichment using our [Orders API](https://docs.chargebackstop.com/developer/api-documentation/orders)
{% endhint %}

### Card network integration

Digital Receipts are powered by two card network solutions. We harmonise both systems into a single unified interface built to scale and support both programs as they evolve. You never need to integrate directly or manage those connections.

* **Order Insights** (Visa)
* **Consumer Clarity** (Mastercard)