Every time you make a payment—whether in cash, by card, or via transfer—a record of the transaction is generated. However, the best way to ensure that the transaction was successful is by having the payment receipt on hand.

This type of document plays a key role in financial management. But do you know what information it contains and how to obtain a payment receipt? In this article, we explain everything, including the different types of receipts and whether you should request one when paying by card.

What Is a Payment Receipt and How to Request One?

What Is a Payment Receipt?

A payment receipt is a document issued after a transaction between two parties, whether online or in person.

It includes various details about the operation, such as the date, amount, and other specifics. Additionally, it can be presented in different formats, ranging from physical and digital receipts to screenshots of banking platforms.

The main function of a payment receipt is to validate the transaction, whether partial or full.

Types of Payment Receipts and How to Check Them

The types of payment receipts vary depending on the method used and the context in which they are issued.

Here’s a breakdown of the types of receipts and how to obtain them:

Bank Transfer Receipt

Generated when making a bank transfer between accounts within the same bank or between different financial institutions.

How to Request a Transfer Receipt?

At the bank branch, online banking, or mobile banking app. You can also check and download a SPEI receipt by logging into Banxico.

Payment Receipt

Issued after making a purchase, for example, a printed store receipt for minor transactions that don’t include tax details. It is also generated when paying for services, either physically or digitally.

How to Obtain a Payment Receipt?

It is obtained directly from the store where you made the payment or purchase.You can also consult them or download them from online platforms if the transaction was electronic.

Account Annotations as Justification

These are records generated by banks to document account movements. This includes received transfers, payments made, or deposits processed.

How to Get This Type of Receipt?

Through bank statements, account extracts, or online banking.

Invoice

A document with detailed tax information, issued by companies and service providers to record a sale or service provided.

How to Check an Invoice?

It can be through the issuer, usually on web portals, e-mail or also by requesting it directly.

Deposit Receipt

Issued when depositing money into a bank account, whether at a teller window or an ATM.

How to Obtain a Payment Receipt?

Usually, you get the physical document when you deposit it at a teller or teller window. So, you can ask for it at the banking institution or check it in your online account statement.

Card Payment Voucher

Issued when paying with a credit or debit card at a physical or online store.

How to Obtain It?

In physical stores, they are usually delivered in printed paper at the time of purchase. On the other hand, in online payments, you can receive them via email or look them up in your account register.

Although paper payment receipts are still used, digital formats are more common nowadays. In fact, most institutions and establishments give you the option of sending it to your email or downloading a copy online.

For example, to obtain a BBVA transfer voucher or any other type of transfer, they invite you to access their online platform. Not only because it lowers operating costs, but also because it simplifies financial management, invoicing and tax reporting.

What Information Does a Payment Receipt Include?

Key details help validate or track a bank transfer or any other transaction.

Generally, it includes:

• Name, company name, or identification of the issuing and receiving bank.

• Date and time of the transaction.

• Exact transaction amount.

• Payment method (bank transfer, credit/debit card, cash, SPEI, deposit, etc.).

• Reference number or transaction ID.

• Payment concept or purpose.

• Bank or payment processor details (if applicable).

It’s important to note that the details vary depending on the type of receipt and payment method.

For example, for electronic payments, it may include an authorization code or tracking ID, which is necessary to track a bank transfer and retrieve a SPEI receipt through Banxico.

Meanwhile, a cash payment receipt might only contain the amount, date, and issuer’s name.

What Are Payment Receipts Used For?

In simple terms, a payment receipt documents financial transactions.

Main Uses Include:

• Verifying payments made. The document serves as proof of a completed transaction, whether for purchases, service payments, or bank transfers.

• Requesting refunds. Used as evidence to file claims for incorrect charges. Also essential for returning defective products.

• Tracking expenses and income. Some individuals and businesses use payment receipts to manage their financial records.

• Accessing warranties or services. Stores often request a payment receipt to validate warranties or use contracted services.

In short, a payment receipt verifies transactions and helps resolve potential billing discrepancies.

For bank transfers, having this document ensures that the money was sent correctly.

Learn more about what you need to make a bank transfer.

Should I Request a Receipt When Paying by Card?

When you pay with a card, the transaction is automatically recorded by your bank. Therefore, it’s not always necessary to request a printed payment receipt.

Still, it’s recommended to check the amount before confirming the payment and keep the purchase receipt. Whether printed or digital, it helps compare it with the charge on your account.

However, if a billing error occurs, the receipt alone may not be enough to file a claim. Instead, the payment receipt is required to confirm the actual amount paid.

If you didn’t request a copy at the time of purchase, you can download it from your bank’s app or online banking.

DolarApp: Send and Receive Digital Dollars Without Hidden Fees

When it comes to financial management, protecting the value of your money is essential, and DolarApp could be the solution you need.

Unlike conventional methods, with us you can use digital dollars from the palm of your hand. Apart from keeping your USDc balance, we give you the possibility to convert your money to pesos with an exchange rate that benefits you.

Likewise, you can send or receive money without hidden costs, we only charge you 3 USDc, regardless of the amount. In addition, the app allows you to export and share receipts with the receiver to avoid inconveniences.