Skip to main content

​
Prevent Disputes, Build Loyalty, Reduce Operational Costs

​
Why Merchants Adopt DRP

​
Dispute Prevention

Cryptographically signed receipts provide undeniable proof of purchase. When customers have itemized, verified receipts in their banking app, friendly fraud drops significantly.

​
Operational Efficiency

  • Returns processing: Instant receipt verification without searching email or requiring paper
  • Warranty claims: Customers have permanent, tamper-proof purchase records
  • Accounting reconciliation: Machine-readable receipt data for automated bookkeeping

​
Customer Retention

Customers prefer merchants who provide receipts in their preferred banking app. DRP receipt delivery differentiates your business and builds trust.

​
Zero Incremental Cost

Open-source protocol with no transaction fees, licensing costs, or ongoing platform charges. Your only investment is initial integration.

​
How It Works for Your Business

​
At Point of Sale

  1. Transaction completes as normal through your POS
  2. POS system generates itemized receipt in JSON-LD format
  3. Your private key signs the receipt cryptographically
  4. Receipt encrypted with customer’s public key (provided by issuer)
  5. Transmitted to customer’s bank
No changes to checkout flow. No customer friction.

​
Integration Options

​
POS System Plugins (easiest)

If you use Square, Toast, Shopify, or other major POS platforms, install the DRP plugin from their marketplace. Setup takes 15-30 minutes.

​
Direct API Integration

For custom POS systems, integrate DRP API directly. Open-source libraries available in:
  • JavaScript/Node.js
  • Python
  • Go
  • PHP

​
Payment Processor Integration

As payment processors adopt DRP (in development), receipts automatically route through existing payment infrastructure with zero merchant configuration.

​
Data Privacy & Security

​
You control your data

  • Receipt content comes from your existing transaction records
  • No third-party platforms access your sales data
  • Cryptographic signing prevents receipt tampering but doesn’t expose business information

​
Customer privacy

Receipts encrypted before transmission—you can’t read receipts after they’re sent (by design). This protects customer privacy while giving them ownership.

​
Business Intelligence Benefits

​
Better customer understanding

  • When customers opt-in, aggregate anonymized purchase data for inventory planning
  • Understand cross-shopping patterns across your locations
  • Optimize pricing and promotions based on verified purchase behavior

​
Compliance & accounting

  • Cryptographically verifiable sales records for audit trails
  • Automatic sales tax documentation
  • Simplified reconciliation with itemized transaction data

​
ROI Examples

​
Coffee shop chain (50 locations)

  • 40 chargebacks/month × 85averagechargebackcost=85 average chargeback cost = 3,400/month
  • DRP reduces chargebacks 18% = $612/month saved
  • Integration cost: 8 hours developer time
  • Payback: < 1 month

​
E-commerce retailer

  • Returns processing: 15 minutes/return -> 3 minutes/return with instant receipt verification
  • 500 returns/month × 12 minutes saved × 25/hourblendedlabor=25/hour blended labor = 2,500/month saved
  • Plus: 12% reduction in return fraud from verified receipts

​
Implementation Guide

Step 1: Register merchant keys Generate public/private key pair, register public key with participating issuers Step 2: Add receipt generation Create itemized JSON-LD receipts from existing transaction data Step 3: Sign and encrypt Use DRP library to sign with your private key, encrypt with customer public key Step 4: Transmit Send to issuer via webhook or payment processor Complete documentation and code samples available in developer portal.

​
Implementation Questions

DRP is completely free and open-source. There are:
  • No transaction fees
  • No licensing costs
  • No ongoing platform charges
  • No revenue sharing requirements
Your only investment is initial development time—typically 8-15 hours for POS plugin installation, or 2-4 weeks for custom API integration.
No. Receipt generation, signing, and encryption happen asynchronously after payment authorization. Customers experience zero additional checkout friction. The entire DRP process adds <100ms to post-transaction processing with no impact on customer experience.
You have three options:
  1. Direct API integration: Use our open-source libraries (JavaScript, Python, Go, PHP) to integrate with any custom POS
  2. Request POS provider support: Contact your POS provider and request DRP integration—we provide resources to help them implement
  3. Payment processor integration: As processors adopt DRP, it will work automatically through existing payment infrastructure
No. DRP converts your existing itemized transaction data into JSON-LD format. If your POS already generates itemized receipts (most do), DRP uses that data. You don’t need to collect new information or modify your checkout flow.
Customer presents the receipt from their banking app (they decrypt it client-side). You verify the cryptographic signature to confirm authenticity. This is actually faster than searching email or requiring paper receipts—instant verification with fraud protection.
Yes. DRP is opt-in at the issuer level—only customers whose banks have integrated DRP receive encrypted receipts. Customers who prefer email or paper receipts continue receiving them as before. DRP doesn’t replace existing receipt methods, it adds a new secure option.
Minimal. Since receipts are encrypted before transmission and you cannot decrypt them after sending, you have no ongoing data custody obligations for DRP receipts. This actually reduces your privacy liability compared to storing customer purchase history on your servers.
Every receipt you generate includes your cryptographic signature. Any tampering breaks the signature, making forgery immediately detectable. Combined with issuer signatures, DRP provides stronger fraud protection than paper receipts or email confirmations that can be easily altered.