Settle straight through where facts agree
When the receipt, the card transaction and the policy line up, there's nothing left for a person to decide. Those claims settle automatically, and your queue holds only the ones that need judgement.
Proof of purchase data for insurance claims
The store's point of sale sends the receipt as a structured record, matched to the card charge. Your adjudicators read the item, price and date instead of a photo.
With merchants on the Smartbills network, the item, price, tax and date come as data, matched to the card charge.
Maple & Rye4398 Rue Saint-Denis, MontréalDirections
Evidence from the original sale
The merchant's point of sale sent the receipt to Smartbills at the moment of payment, and the original merchant record is kept next to the extracted fields. You know where the evidence came from because of how it arrived, which is something an uploaded file can never tell you.
- Merchant, timestamp, line item, price, tax and tender
- The original merchant record retained beside the extracted fields
- Matched to the card transaction that paid for it
Review the item, not the whole basket
Coverage is written against products. Adjudication needs the product. Each line on a Smartbills receipt carries its own price, quantity and tax, and any model or serial number the merchant captures comes along with it.
- Line-level claims: one item out of a basket of nine
- Model and serial where the merchant's point of sale captures them
- Coverage windows computed from the merchant's purchase date
Product registration with no form to fill
Claims are often hard because nobody registered the product when they bought it. Here, registration takes one tap on the receipt itself. By the time a claim comes in, the policy is already attached to the item.
How insurance claims works
The purchase happens
A customer pays at a store that sends receipts through Smartbills. The itemized receipt reaches Smartbills and is matched to the card transaction.
The claim opens
The claimant picks the item instead of uploading proof. The receipt is already on file, structured and dated.
Checked against the policy
Coverage dates come from the purchase date, the price from the line item, and limits and deductibles from your terms.
Settled or escalated
When the facts agree, the claim settles without review. Otherwise an adjudicator gets the full file and the exact discrepancy.
Keep exploring
See all products- ProductEmbedded receiptsItemized receipts from the merchant's point of sale, shown inside your own app under the transaction they belong to. For banks, fintechs, retailers and any app built on the API.
- ProductTransaction enrichmentResolve a card descriptor into a business your customer recognizes, with logo, location and category, plus the itemized receipt when the merchant sent us one.
- ProductDigital receiptsDigital receipt software that turns every sale at your POS into an itemized electronic receipt, hosted online and delivered by app, SMS, email or API.
FAQ
Frequently asked questions
What people ask us before they sign up.
Any claim decided against a purchase: card purchase protection, extended warranty, manufacturer warranty, contents insurance for a named item, travel cover for a lost or damaged possession, and retail returns. What they all need is a verifiable proof of purchase showing a date, a price and a specific item.
It stops the easiest and most common kind: an edited, duplicated or made-up receipt image. A record that came from the merchant's point of sale can't be altered by the claimant, and a receipt that was never issued can't be produced at all. A real purchase claimed dishonestly still has to be caught in adjudication.
The claimant sends the receipt the usual way and Smartbills extracts the merchant, date, total and tax. You lose line-item certainty and merchant provenance, the response tells you so, and you can route those claims to an adjudicator rather than settling them automatically.
Through an API. You look up the purchase evidence for a card transaction or a customer and get structured data back, which your platform can use the same way it uses evidence today. There's no need to replace an adjudication system that already works.
The customer consents to share their receipt data with you for this specific purpose, explicitly and in a way they can revoke. Consent is captured in your own flow, recorded with its scope and timestamp, and can be withdrawn from the same screen.
As long as your coverage terms require it to be producible, which is usually longer than the transaction data itself needs to be kept. Retention is set per program, since a two-year purchase protection plan and a ten-year structural warranty carry different obligations.
Usually a receipt or invoice showing what was bought, when, where and for how much. A structured record from the merchant's point of sale shows the same facts without relying on a photo the claimant took, and it identifies the exact item rather than the whole basket.
Get started
See which claims the receipt would have settled.
Bring a sample of settled claims and we'll show you which ones the merchant's receipt would have decided on its own.