X‑Receipts provides a banking‑first infrastructure that links payment cards directly to merchants, enabling instant, app‑free digital receipt delivery and automatic card recognition at checkout. Its open APIs and SDKs integrate with POS, loyalty, accounting, and banking systems, delivering consent‑driven, encrypted receipt data in real time to wallets, bank apps, or partner platforms.
Funding
Funding not disclosed
Founders
Product
Problem
Retailers and banks struggle to deliver instant, app‑free digital receipts and to recognize customers at checkout without complex tokenization, leading to friction, lost loyalty opportunities, and inefficient data flows.
Solution
X‑Receipts offers a banking‑first infrastructure that connects payment cards directly to merchants, enabling real‑time digital receipt delivery to a customer’s wallet, bank, or partner application. The platform automatically recognizes cards at the point of sale, eliminating the need for separate apps or token exchanges. Integrated APIs allow seamless connection to point‑of‑sale systems, loyalty programs, accounting software, and banking schemes, ensuring that receipt data is securely transmitted and consent‑based. By handling receipt generation, card enrollment, and data routing centrally, X‑Receipts lets retailers focus on the customer experience while banks can enhance their card value proposition.
Target Audience
Primary customers are banks, retail merchants, and point‑of‑sale providers seeking to offer instant digital receipts and card‑based customer identification, as well as loyalty and accounting platforms that require reliable receipt data integration.
Features
- Card recognition that identifies customers instantly at checkout without requiring a mobile app
- One‑time card enrollment to link payment cards with loyalty, membership, or authentication data
- Real‑time digital receipt generation and delivery to wallets, banking apps, or third‑party systems
- Consent‑driven data handling with end‑to‑end encryption for secure receipt transmission
- Pre‑built integrations with major POS, loyalty, accounting, and banking scheme providers via open APIs
- Flexible SDKs that allow partners to embed receipt and recognition functionality into existing tech stacks