When the receipt is issued as structured data at checkout and matched to the card that paid, the proof of purchase exists before the loss does.
The receipt is created at the point of sale instead of reconstructed after an incident, and it records the item, the date and the price exactly as the merchant rang them up.
When the policyholder already has the documents, the first contact stops being a paperwork request. Claims that really do need a closer look stand out, rather than hiding among the ones that were just missing a receipt.
The line item that supports a claim also sets a warranty period and a return window. That gives policyholders a reason to keep using the wallet in the years between claims, which is what keeps the evidence complete.
Mileage to a loss site, a hotel night after a storm, a meal on the road. Adjusters submit from the app with the receipt, approvals follow your policy, and each expense can be tagged with the claim it belongs to.
Why teams switch
Most contents claims settle on an estimate because the policyholder can’t produce a single receipt.
The adjuster opens the file with itemized, dated, merchant-issued records that were created well before the loss.
We can’t reliably tell a fabricated or altered receipt from a genuine one.
A receipt issued by the merchant and matched to a card transaction was never in the claimant’s hands to edit, which makes the questionable files easier to spot.
Warranty and replacement-cost decisions hinge on a purchase date nobody can find.
The purchase date, the item and the price sit together on one line-level record that the policyholder already has.
First notice of loss turns into weeks of back-and-forth over missing documents.
The policyholder shares the relevant receipts into the claim from a wallet they already use. The first conversation isn’t a request for paperwork.
Each product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
Proof of purchase that comes from the merchant instead of the claimant: the line item, price, tax, date and serial as data an adjudicator can use.
Digital receipt software that turns every sale at your POS into an itemized electronic receipt, hosted online and delivered by app, SMS, email or API.
Find the receipt for the thing you're returning by searching for it, with the return deadline and warranty countdown already attached.
The Smartbills receipt wallet for everything you buy: itemized receipts, email receipts you upload, and photos of the paper ones.
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Offer the wallet to a cohort of policyholders, then compare documentation completeness and settlement outcomes with a similar book that didn’t get it.
