Digital receiptsBuilt into modern payments

Every card payment arrives with an itemised receipt attached. Nothing to scan, file, or chase.

Contact us
Card transaction
107,00 kr · Norr Hospitality
Kafé Norr
5 JUNE 2026 · 09:14
Flat white52,00
Oat milk10,00
Cinnamon bun45,00
Total107,00 kr
VAT 6%6,04 kr
•••• 5151Mastercard

What digital receipts enable

Roci enriches data that issuers and point of sale systems already produce, inside infrastructure they already control.

Questions answered before they are asked

A cardholder who does not recognise a charge opens the receipt instead of calling. Contact volume falls without customers changing how they bank.

Disputes settled on fact

Line item detail exists with the transaction from point of purchase, reducing disputes and enabling resolution with fully transparent context.

Revenue from data already produced

Roci turns receipt data from point of sale systems into recurring income with no new product to build.

Accounting & expenses fully digital and automatic

No photographing receipts, no envelope of paper at month end. Line item data arrives structured and ready for accounting.

Customer insights

A new layer of line item data on every transaction. Category, merchant, and basket detail previously unavailable to issuers, ready for segmentation, personalisation, and analytics.

80bn
Card payments in Europe every year. Over 90% of receipts they generate are lost, damaged, or discarded.
24%
Of cardholders questioned a charge last year after failing to recognise transaction details.
70%
Of card fraud is friendly fraud, cardholders disputing charges they actually made.

Most of the work is already done

Receipt data already exists in every till. Card transactions already exist in every bank. Roci connects the two.

How it works
01

Point of sale

Merchant system releases itemised receipt data at moment of purchase.

02

Roci

Data is normalised, matched to the card transaction, and routed to the issuer in seconds.

03

Issuer

Receipt appears beside the transaction, inside app and web surfaces cardholders already use.

Let's talk

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