Paper receipts - something we need?

elsien

Quite simply, if I have a paper receipt I check it. If it's an online receipt I'm more likely to note its arrival, think I'll check it later, then I never do.
Ditto online bills.
For me, paper works better.

CardinalWolsey

What we need is a "receipt aggregator". If all EPOS systems logged the transaction details with a central aggregation system, keyed to a hash of your card number, you would never have to share your email / contact details with the retailer. Then you can access all your receipts in one location. Paper receipts still needed for cash, or you could then provide your email for those. Link all cards / emails together via a single account at the aggregator. Then you could generate some real analytics over your spending patterns...

Stompa

dipsomaniac wrote: »

Google pay wont let you attach a card without security so it doesnt make sense that you can then use the phone without security

I agree, it doesn't make any sense to me either. But there a many references which suggest that that's how it works, e.g.

https://www.which.co.uk/money/banking/banking-security-and-new-ways-to-pay/new-ways-to-pay/what-is-android-pay-arqd27r349l3

On the high street, you simply hover your phone over any contactless payment terminal. If you’re spending more than £30, you'll need to unlock your phone first.

Gvard

As always - amazing responses

I always decline receipts for any contactless payment unless it's for an item I may want to return.

If there was a minute-long registration service that enables you to link your email/phone number to your card and get those automatically - would that be good enough for you to opt-in, even if it was only for high-value purchases like fashion/clothing brands to start with? Provided you don't get spammed via email by retailers.

Quite simply, if I have a paper receipt I check it. If it's an online receipt I'm more likely to note its arrival, think I'll check it later, then I never do.
Ditto online bills.
For me, paper works better.

That's great practical thinking! Considering that we are rapidly moving towards everything digital and contactless if you had an option to get those via email/text message automatically? Would an environmental impact prompt you to move, provided your email won't be used for marketing spam?

What we need is a "receipt aggregator". If all EPOS systems logged the transaction details with a central aggregation system, keyed to a hash of your card number, you would never have to share your email / contact details with the retailer. Then you can access all your receipts in one location. Paper receipts still needed for cash, or you could then provide your email for those. Link all cards / emails together via a single account at the aggregator. Then you could generate some real analytics over your spending patterns...

That's a great idea! The only problem is won't happen until retailers see the benefit in them for giving away their sales data. Would you see yourself using this if your email was available to big retailers? (Just for profiling rather than marketing spam emails)

DoaM

DoaM wrote: »

Never tried it with my phone though ... might try at lunch today if I remember.

Screen Off = no transaction. I forgot to try just pressing the power button. (i.e. screen On but locked).

DoaM

Gvard wrote: »

That's a great idea! The only problem is won't happen until retailers see the benefit in them for giving away their sales data.

If you pay by card/contactless they're already giving away sales data - to the payment provider. (Well, at least in terms of amount paid, when and to whom. Not in finer granularity versus what was bought - unless it was obvious from the transaction name).

A receipt/purchase aggregator would be a data-miner's dream.

Takmon

elsien wrote: »

Quite simply, if I have a paper receipt I check it. If it's an online receipt I'm more likely to note its arrival, think I'll check it later, then I never do.
Ditto online bills.
For me, paper works better.

But that's just due to your poor admin. If i get an email (excluding spam etc) i will either archive it if i don't need to do anything further, leave it in my inbox to sort out at a convenient time or snooze it to a set time/date as appropriate. So every email i get is sorted out and my inbox is often empty.
If i ever need to find a historic receipt/bill for something i got by email a simple search and i get it straight away.

If you have everything on paper you have to spend time storing it and organising it so you can find it again and then you can only access it when your at home, so it's far more time consuming.

elsien

Gvard wrote: »

As always - amazing responses

That's great practical thinking! Considering that we are rapidly moving towards everything digital and contactless if you had an option to get those via email/text message automatically? Would an environmental impact prompt you to move, provided your email won't be used for marketing spam?



That's a great idea! The only problem is won't happen until retailers see the benefit in them for giving away their sales data. Would you see yourself using this if your email was available to big retailers? (Just for profiling rather than marketing spam emails)

I don't have any banking apps set up on my phone. And I tend not to store passwords on my laptop.
So if I get an email on my phone with a link saying log in to your account to check your bill, it's just too much faffing around to crank up the laptop and sign in. Whereas if I get a paper bill, I open it, quickly cast an eye over it to check it's correct then file it till needed.
Paper is quicker and easier for those of us who only have tech turned on when we need it. And easier to read. Call it a generational thing, and my eyesight is fine, I can find things on paper bill more easily.

My admin works perfectly well for me, poor or not, and I'm not planning to change it any time soon. I don't need to access receipts when I'm out and about so can't really see why only accessing them at home is a problem.

Doshwaster

RumRat wrote: »

I don't use my card or phone for any day to day payments. I have a ring that does it all and it's far more convenient.

I've read about a chap who likes dressing up as a wizard who has put a contactless chip in the end of his wand so that he can make magical payments.

Gvard

If you pay by card/contactless they're already giving away sales data - to the payment provider. (Well, at least in terms of amount paid, when and to whom. Not in finer granularity versus what was bought - unless it was obvious from the transaction name).

That's true with transaction history data (location and amount) it's exchanged between banks, location intelligence companies and retailers. However, that's not the case with actual receipt data, there are a lot of offline purchases aren't tracked or tied to profile which is where value could come to retailers in case of linking digital receipts to payment cards.

So if I get an email on my phone with a link saying log in to your account to check your bill, it's just too much faffing around to crank up the laptop and sign in. Whereas if I get a paper bill, I open it, quickly cast an eye over it to check it's correct then file it till needed.

That indeed sounds inconvenient! However, what would you say if the receipt was simply in your email, without having to click anything?

I've read about a chap who likes dressing up as a wizard who has put a contactless chip in the end of his wand so that he can make magical payments.

:rotfl: