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I really don't understand why VISA / Mastercard / American Express / Debit Cards do not have a email associated with them that will automatically get sent recei

I really don't understand why VISA / Mastercard / American Express / Debit Cards do not have a email associated with them that will automatically get sent receipts when you use those cards - or have them show up in the bank that issued the card. It would be amazing and seems like a straight forward extension of the charge card industry. Of course end user machines will have to be updated, but that can happen over a period of years, but it is a straight forward extension. And the email / identity shouldn't be disclosed to the sellers, instead the receipts should be sent to charge card's infrastructure along with the charge/payment. And then from there it is distributed to the users. Maybe Apple and Google and Samsung could somehow extend their Apple Pay / Google Pay / Samsung Pay APIs to enable receipts automatically and start to push for that. If Apple advertised it in their keynote, and say StarBucks and Home Depot and Walmart supported it, we would soon have this everywhere.

jzwinck 1y ago
I came here to write something very similar. Visa and their competitors all have the ability to transport data about the payment. Most receipts are a fairly small raster image which could be sent as an extension. Visa could also offer a structured text receipt data format but the image may actually be safer to avoid a billion questions about how to represent unusual situations around surcharges, optional extras, custom discounts, split checks etc. It would be important for the receipt to include the original broken-out list of items purchased, and not just the "credit card receipt" with the total paid. People need detailed receipts for returns and business expenses.
- bitshiftfaced 1y ago
  In many cases, the POS software would have to go out of its way to share the itemized receipt details with the credit card processor. There's probably an incentive to get paid for that data elsewhere that overshadows the benefit to the user.
  - AnotherGoodName 1y ago
    Some of the payment systems do now allow you to associate an email address with cards which gets you itemised receipts at the cost of privacy. I actually do use this a lot. Have a corp card and corp email and it’s setup with stripe, square, bunnings (an australia thing) etc. to email receipts. For the corp use case its great. Spam that one use corp email all you want, just send me the digital receipts.
cph123 1y ago
In the UK we had something similar called Flux. I don't think it got widely adopted. Discussed previously on HN: https://news.ycombinator.com/item?id=33179645 https://news.ycombinator.com/item?id=33179645
- bhouston 1y ago
  It needs to be pushed by Apple or Google and then the other players in this space will get FOMO.
msgodel 1y ago
A lot of retailers just ask you for an email/phone number once and then associate that with your card number to send you the receipt automatically. That seems like a decent "good enough" solution.
foxyv 1y ago
This makes Walmart pay really attractive. I get the receipt as part of the pay system.

jzwinck 1y ago

I came here to write something very similar. Visa and their competitors all have the ability to transport data about the payment. Most receipts are a fairly small raster image which could be sent as an extension. Visa could also offer a structured text receipt data format but the image may actually be safer to avoid a billion questions about how to represent unusual situations around surcharges, optional extras, custom discounts, split checks etc. It would be important for the receipt to include the original broken-out list of items purchased, and not just the "credit card receipt" with the total paid. People need detailed receipts for returns and business expenses.

bitshiftfaced 1y ago
In many cases, the POS software would have to go out of its way to share the itemized receipt details with the credit card processor. There's probably an incentive to get paid for that data elsewhere that overshadows the benefit to the user.
- AnotherGoodName 1y ago
  Some of the payment systems do now allow you to associate an email address with cards which gets you itemised receipts at the cost of privacy. I actually do use this a lot. Have a corp card and corp email and it’s setup with stripe, square, bunnings (an australia thing) etc. to email receipts. For the corp use case its great. Spam that one use corp email all you want, just send me the digital receipts.

cph123 1y ago

In the UK we had something similar called Flux. I don't think it got widely adopted. Discussed previously on HN: https://news.ycombinator.com/item?id=33179645 https://news.ycombinator.com/item?id=33179645

bhouston 1y ago
It needs to be pushed by Apple or Google and then the other players in this space will get FOMO.

msgodel 1y ago

A lot of retailers just ask you for an email/phone number once and then associate that with your card number to send you the receipt automatically. That seems like a decent "good enough" solution.

foxyv 1y ago

This makes Walmart pay really attractive. I get the receipt as part of the pay system.