Digital receipts
    Built into modern payments

    Roci links receipt data directly to card transactions

    Delivered into bank interfaces without changing merchant or consumer workflows

    Kafé Norr

    Norr Hospitality AB

    Biblioteksgatan 12, Stockholm

    5 June 2026 · 09:14

    Flat white52.00 kr
    Oat milk10.00 kr
    Cinnamon bun45.00 kr
    Total107.00 kr
    VATAmountNetGross
    6%6.04 kr100.96 kr107.00 kr
    **** **** **** 5151
    Mastercard

    The Problem

    Card payments are fully digital. Receipts are not.

    The result: disputes, chargebacks, and inflated customer service costs.

    80,000,000,000

    Card payments in Europe every year. Over 90% of the receipts they generate are lost, damaged or thrown away by consumers.

    Source: ECB, Ingenico

    24%

    Of cardholders questioned a charge on their statement last year because they didn't recognise transaction details.

    Source: Mastercard

    70%

    Of card fraud is "friendly fraud", cardholders disputing charges they actually made.

    Source: Mastercard

    How It Works

    01

    POS system

    Receipt data is generated at point of sale and sent to Roci. No changes to the payment flow.

    02

    Roci

    Roci processes and normalises the receipt, links it to the right transaction, and routes it to the issuer.

    03

    Card issuer

    The receipt is delivered directly into the issuer's interface, available for export for expenses, warranties, or accounting.

    Who Benefits

    Banks & Card Issuers

    Richer transaction data. Fewer disputes.

    • Clearer transaction context reduces customer service contacts on unidentified charges
    • Fewer disputes and faster resolution with receipt data already attached at the transaction level
    • Richer transaction data for fraud detection and customer insight
    • Issuer-controlled data, banks own and manage receipt storage within their existing infrastructure

    POS Systems

    New revenue. Minimal integration.

    • Digital receipts reduce return friction, disputes, and paper dependency without changing how merchants operate
    • Simple to integrate, no changes to payment processing
    • Revenue share opportunity, monetise receipt data your infrastructure already generates
    • Expand your value proposition without expanding your product team

    Merchants

    Less friction. Better customer interactions.

    • Digital receipts reduce disputes and friction in return handling
    • Fewer unresolved claims and customer follow-ups
    • A modern, paperless experience without changing how they operate

    Cardholders

    All receipts. One place.

    • Seamless expense management and accounting flows
    • Greater clarity and understanding on every transaction
    • Receipts readily available for insurance claims, warranties, and returns

    Let's talk.

    If you're a bank, card issuer, or POS provider interested in digital receipt infrastructure, we'd like to hear from you.