A contained integration, fully under issuer control
Roci works from payment data banks already produce. Receipt data lands in bank infrastructure, remains under bank governance, and never affects payment flow.
Receipt to issuer, matched in seconds
Two points of contact, one integration, no change to how transactions are processed.
Point of sale
Merchant system releases itemised receipt data at moment of purchase.
Roci
Data is normalised, matched to the card transaction, and routed to the issuer in seconds.
Issuer
Receipt appears beside the transaction, inside app and web surfaces cardholders already use.
No new capture
Integration runs against payment data banks already produce. Nothing new to collect at issuer end.
Ready to display
Receipt data arrives normalised and structured, so no parsing or cleanup work sits with the bank.
Nothing to operate
No consumer support surface to staff, no enrolment funnel to manage, no new failure mode in payments.
Issuers keep the data and the payment flow
Roci is a data processor, operating on documented instruction from the issuer.
Data processor only
Roci operates strictly as a data processor under agreement with the issuer.
Payment flow untouched
Roci never touches authorisation or clearing. Receipt routing runs alongside payment flow, never inside it.
Issuer controlled storage
Receipt data is stored and managed on issuer infrastructure, under issuer retention and access policy.
No new consumer surface
Receipts display in existing banking interfaces. No app, no enrolment, no new behaviour to drive adoption.
Scoped integration
Contained integration on existing payment data, with defined interfaces and a defined boundary.