This used to be common, called “country club billing”. most credit cards stopped it in the 70s, American Express continued it through part of the 90s. It’s expensive for merchants and card processors, not valued by most customers, and as far as I know nobody is seriously considering bringing it back.
The various contradictory incentives about data privacy and who knows what when are all trivial compared to the amount of work it’d take, for no significant value to customers. The number of humans who bother to keep and categorize receipts is TINY, and it’s probably correlated with not spending very much on credit-card fees. Attracting these customers may well be negative-value, but even if it’s positive, it’s not worth much effort.
It looks to me like country club billing stopped because at a time when everything was done on paper it was far too much work. If the purchase information was sent as part of getting the transaction approved then you can use it for fraud prevention in a way that wasn’t possible in the 1970s.
This used to be common, called “country club billing”. most credit cards stopped it in the 70s, American Express continued it through part of the 90s. It’s expensive for merchants and card processors, not valued by most customers, and as far as I know nobody is seriously considering bringing it back.
The various contradictory incentives about data privacy and who knows what when are all trivial compared to the amount of work it’d take, for no significant value to customers. The number of humans who bother to keep and categorize receipts is TINY, and it’s probably correlated with not spending very much on credit-card fees. Attracting these customers may well be negative-value, but even if it’s positive, it’s not worth much effort.
It looks to me like country club billing stopped because at a time when everything was done on paper it was far too much work. If the purchase information was sent as part of getting the transaction approved then you can use it for fraud prevention in a way that wasn’t possible in the 1970s.