PREVENT
Digital Receipts
Experience a new level of transaction clarity with PayShields Digital Receipts. Send your order data once and it reaches the cardholder wherever they question the charge through Verifi’s Order Insight on Visa and Ethoca’s Consumer Clarity on Mastercard. The customer recognises the purchase instead of disputing it.
DISCOVER
What are Digital Receipts?
Many disputes are not fraud, it’s whether there’s recollection of transactions, it happens that customers see unfamiliar descriptor, they’ve forgotten about a renewal or a purchase made weeks ago.
Digital Receipts puts the answer where the customer is already looking for merchant name, logo, what was bought, when.
One data feed, two different jobs. It puts an itemised receipt in the banking app, where the cardholder looks first. The same is shared to issuer’s bank, so customer’s inquiry is answered in real time.
Cardholder Recognition
Clearer merchant names, logos and transaction descriptors help cardholders recognise a purchase before they think to dispute it. Nothing to download, search for or remember, the data is already there when they look.
Dispute Deflection
Issuers and cardholders get purchase context before escalation. In the banking app, and on the agent call when a service team can see the enriched data. Disputes stopped before they are raised and doesn’t count against your ratio.
Real-Time Inquiry Resolution
Issuer inquiries answered in real time with enriched transaction, order and item-level detail.
PROCESS
How It Works?
1. Send data
Merchant sends order data (descriptor, items, amounts, delivery and customer detail) through one integration.
2. Cardholder questions
The customer questions a charge, either with their bank or by opening their banking app.
3. Provide clarity
The enriched detail is there: merchant name, logo, itemised purchase, support contact.
4. Customer’s recognition
They recognise it. No dispute is raised.
What You Need to Send?
A statement line gives the cardholder a descriptor and an amount. These are the fields that turn it into a purchase they recognise — item-level detail most of all.
- Merchant and customer details
- Transaction and payment data
- Item-level order information
- Fulfilment and delivery signals
- Refund and cancellation updates
Ready to integrate with Digital Receipts?
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