Reduce Chargebacks, Enhance Digital Banking, Own the Customer Experience
The Business Case
Quantifiable ROI
- Chargeback savings: $18-26 saved per chargeback with itemized receipt verification (industry average chargeback cost: $75-115)
- 16-23% reduction in chargeback volume with cryptographic proof of purchase
- 60% faster dispute resolution with machine-readable receipt data
- Competitive differentiation for corporate card programs through automatic expense compliance
Why Corporate Cards First
Corporate cardholders submit expense reports—often manually entering receipt data. DRP automates this entirely while maintaining user privacy and data ownership. Key benefits for corporate programs:- Eliminate expense report friction (top complaint from corporate cardholders)
- Automatic GL coding and categorization from itemized data
- Real-time compliance checking against company policies
- Stronger value proposition vs. consumer cards in competitive market
Technical Integration
Three integration paths
1. Full Native Integration (recommended)- Add DRP SDK to existing banking app
- Receipts appear in transaction history automatically
- 2-4 week development timeline for experienced mobile teams
- Drop-in receipt viewer component
- We handle encryption/decryption logic
- 1-2 week integration
- Webhook receiver for encrypted receipts
- Build custom UI in your app
- Maximum flexibility
Security & Compliance
Bank-grade security
- SOC 2 Type II compliant protocol design
- GDPR-compliant by default (user controls all personal data)
- PCI-DSS compatible (receipt data outside cardholder data scope)
- Cryptographic audit trail for regulatory compliance
Fraud prevention
- Dual signatures from merchant and issuer prevent receipt forgery
- Tamper-evident cryptographic seals
- Real-time verification of merchant legitimacy
Network Effects & Merchant Adoption
Closed-loop proof of concept
For banks with captive merchant relationships (e.g., Chase, Capital One), launch DRP with your existing merchant portfolio first. This creates immediate value for cardholders while demonstrating ROI before broader rollout.POS system partnerships
DRP integrates with major POS providers (Square, Toast, Shopify) through their plugin ecosystems. As your merchants adopt DRP-compatible POS systems, receipt coverage expands automatically.Industry standardization
W3C standardization path ensures interoperability and reduces proprietary platform risk. All issuers benefit from shared protocol development.Implementation Roadmap
Phase 1: Pilot (8-12 weeks)- Integrate DRP SDK into banking app
- Launch with 5-10 merchant partners
- Measure chargeback reduction and user engagement
- Partner with POS systems for broader merchant coverage
- Leverage existing merchant relationships
- Track network effect metrics
- Add spend analytics, budget tracking, warranty management
- Differentiate your offering with proprietary features built on DRP foundation
Reference Implementation
Open-source SDKs available
- Swift (iOS) - production-ready
- Kotlin (Android) - production-ready
- JavaScript - for web-based banking portals
- API specifications for backend integration
Developer resources
- Complete technical documentation
- Sandbox environment for testing
- Integration support and consultation
Implementation Questions
How long does DRP integration take?
How long does DRP integration take?
Full native integration: 2-4 weeks for experienced mobile development teamsHosted solution: 1-2 weeks with drop-in componentsAPI-only: Timeline varies based on custom UI requirementsMost issuers complete pilot programs within 8-12 weeks including merchant partnership setup.
Do we need to store or manage customer private keys?
Do we need to store or manage customer private keys?
No. This is critical—private keys are generated and stored exclusively on user devices in hardware security modules (iOS Secure Enclave, Android KeyStore). Your infrastructure never touches private keys. This eliminates key management liability and ensures true user ownership.
How does DRP integrate with our existing fraud detection systems?
How does DRP integrate with our existing fraud detection systems?
DRP enhances fraud detection by providing itemized transaction data and dual cryptographic signatures. You can incorporate receipt-level details into existing fraud models. The protocol includes merchant verification and tamper-evident seals that complement your current systems.
What's the ROI timeline for chargeback reduction?
What's the ROI timeline for chargeback reduction?
Early pilots show chargeback reduction within the first month of deployment. The 16-23% reduction in chargeback volume translates to 18,000-26,000 in monthly savings.
How do we handle merchants who don't support DRP yet?
How do we handle merchants who don't support DRP yet?
DRP degrades gracefully. Transactions at non-participating merchants continue normally—customers simply don’t receive itemized receipts for those purchases. As your merchant network expands through POS system integrations, receipt coverage grows automatically.
Is DRP compliant with banking regulations and data privacy laws?
Is DRP compliant with banking regulations and data privacy laws?
Yes. DRP is designed for compliance:
- GDPR: User controls all personal data with client-side encryption
- PCI-DSS: Receipt data falls outside cardholder data scope
- SOC 2 Type II: Protocol design follows security best practices
- Banking regulations: Cryptographic audit trails support regulatory requirements
Can we build proprietary features on top of DRP?
Can we build proprietary features on top of DRP?
Absolutely. DRP provides the infrastructure layer—you differentiate with proprietary features like spend analytics, budget tracking, receipt search, warranty management, or purchase protection programs. The open protocol ensures interoperability while your features create competitive advantage.
What happens if a merchant goes out of business?
What happens if a merchant goes out of business?
Receipts remain accessible to users indefinitely since they’re stored client-side on user devices. The cryptographic signatures from merchants and issuers provide permanent proof of purchase regardless of merchant status. This actually strengthens customer protection compared to merchant-hosted receipt systems.