QashPay Launches Digital Receipts to Help Issuers Reject Friendly Fraud Chargebacks

QashPay today announced the launch of Digital Receipts, a new solution designed to help merchants prevent friendly fraud chargebacks by storing transaction data and making it instantly available to issuing banks when needed.

As chargeback pressure continues to rise, QashPay’s Digital Receipts gives issuers access to the transaction history needed to assess whether a disputed payment is legitimate — especially in cases where a cardholder claims they do not recognise the transaction.

With Digital Receipts, QashPay stores digital transaction data and responds quickly when issuing banks request supporting information during the dispute process.

Where issuers can verify that:

• Transaction data is available,
• The customer has prior transaction history, and
• Previous transactions are older than 120 days,

they are better positioned to reject invalid chargebacks in friendly fraud scenarios where the cardholder falsely claims the transaction was not recognised.

This gives merchants a stronger defence against first-party misuse while reducing unnecessary chargeback exposure.

QashPay Digital Receipts is designed to support rapid data retrieval and response, helping issuers validate transaction legitimacy faster and more accurately.

By ensuring relevant historical transaction data is stored and accessible, QashPay helps merchants:

• Challenge false “transaction not recognised” claims,
• Reduce friendly fraud losses,
• Strengthen dispute outcomes, and
• Krotect their chargeback ratios.

Digital Receipts forms part of QashPay’s broader dispute prevention capability, helping merchants move from reactive chargeback management to proactive fraud deflection.

With fast access to stored transaction data, merchants can improve issuer confidence and reduce avoidable disputes before they convert into chargebacks.

• €0.03 per transaction stored
• €0.20 per lookup

QashPay Digital Receipts is now available across the QashPay platform.