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Digital Receipts

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.

How it works for cardholders

Section titled “How it works for cardholders”

  1. Cardholder views a transaction

    Section titled “Cardholder views a transaction”

    A cardholder opens a transaction in their banking app.

  2. Real-time lookup

    Section titled “Real-time lookup”

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

  3. Data displayed

    Section titled “Data displayed”

    If data is available, it's shown directly in the cardholder's banking app alongside the transaction.

How it works for banking agents

Section titled “How it works for banking agents”

  1. Cardholder contacts their bank

    Section titled “Cardholder contacts their bank”

    A cardholder queries a transaction with their bank.

  2. Agent opens the dispute portal

    Section titled “Agent opens the dispute portal”

    The banking agent opens the Mastercard or Visa dispute portal.

  3. Real-time lookup

    Section titled “Real-time lookup”

    A real-time lookup checks whether additional order data is available.

  4. Data displayed

    Section titled “Data displayed”

    If data is available, the agent sees it in the portal before proceeding with the dispute.

What data can be returned?

Section titled “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

Card network integration

Section titled “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)