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by kylehotchkiss 2559 days ago
I've wondered for some time why card processors don't have an API to accept receipt data so that they could handle storing receipts along with the transactions. It would be a little less wasteful but also allow some of the newer banks to create some interesting products. Your bank or card issuer already knows which store you visited, when, and where. Knowing what products your purchased doesn't add too much more dimension of creepiness onto their pile of data.
6 comments

The Visa VCF format does this, but like any old legacy format, it can be a pain to work with. Data quality is up to the merchant, and consistency among merchants is lacking even within a single industry with documented attributes like travel tickets, which AFAIK is still the primary use case.

https://online.ogs.ny.gov/purchase/biddocument/22712rfp_VCF4...

Given how much advertising companies would pay for item level data I’m sure someone and the credit card companies is trying to make this a reality.
This would also be really useful for increasing automation of expense reports if you are using a corporate credit card.
Home Depot does this with their card readers. I entered my email address once to send an emailed receipt, and forever after, if I use that same card, it will just send me an email with my receipt.

Note: this is not even a Home Depot card, it's just my everyday Visa card.

I've also seen this with anybody that uses Square - it can be a little surprising because I'll check my email and see a receipt for a random food truck that I got a hotdog from or things of that nature.

That's not the card processor receiving receipt data. It's the POS vendor doing their own thing.

But, similar outcome in terms of reducing paper.

My Amex card does this for purchases at Square terminals. There's a "view receipt" link next to the transaction on my statement that opens the Square receipt. I haven't seen it for anything else though.
You can also do it with iTunes receipts on your Amex card.
I’m in Denmark. Whenever I buy something using my contactless credit card, the app I have for mobile payments receives a digital receipt. Quite practical.