A document isn't a payment
An invoice can show a price without proving a transaction actually settled.
BUILT FOR AIRLINES · RECRUITING LAUNCH PARTNERS
Don't trust the receipt.
Verify the transaction.
SpendStamp helps airlines verify baggage reimbursement claims directly against authorized financial transaction records. Reduce improper payouts, streamline claims processing, and pay only when we deliver measurable savings.
Designed for airline claims teams, with privacy-first verification and human review.
Claim evidenceSS–2048 · Baggage reimbursement
BANK-MATCHED SPEND$1,271.00of $1,428.50 claimed
3 / 4matched
CVS Oct 16, 2026 · Travel essentials$87.00✓
Uniqlo Oct 16, 2026 · 2 claimed items$174.00✓
Rimowa Oct 17, 2026 · Luggage$1,010.00✓
Other purchase Additional evidence needed$157.50!
Evidence confidence: 92 / 100Illustrative match score for the 3 matched payments; not a fraud probability.Review: $157.50 unmatched; item detail and eligibility require airline review.
Payment matched to bank record
ONE LINK FOR THE TRAVELER.ONE EVIDENCE DOSSIER FOR THE AIRLINE.ONE SHARED DEFINITION OF SAVINGS.
THE PROBLEM
Receipts were never built
to be a trust system.
Claims teams are asked to decide what to reimburse using screenshots, PDFs, and long email chains. In the age of generative AI, convincing-looking documents are no longer strong proof of payment.
Every missing detail adds friction
Adjusters chase receipts and bank statements. Travelers resubmit the same evidence.
Claim history lives in silos
Carriers have limited visibility into potentially reused transactions across organizations.
A BETTER DEFAULT
One link. A clearer picture of every claim.
The planned pilot workflow brings transaction evidence into the airline’s existing claims process. Product previews below are illustrative.
✈Verify your expensesYour airline has sent a secure claim link.↗
Airline sends a link
The airline creates a claim-verification request and sends the traveler a secure link.
Jacket $78.00
Toiletries $42.50
+ Add expenseTraveler builds the dossier
Add purchases, merchants, amounts, and dates. Group multiple items under one merchant transaction.
⌁Connect securelyAuthorize transaction matchingContinue securely →
Connect an account
The traveler authorizes a supported financial account through a provider such as Plaid. Provider integration is planned.
✓Match payment evidenceMerchant · amount · date
Match the transactions
SpendStamp compares submitted expenses with available financial transaction records and flags exceptions.
✓Evidence report ready3 payments matched · 1 review
Airline reviews the evidence
Match results, exceptions, and the supporting record return to the airline for a reimbursement decision.
SpendStamp verifies payments where transaction data is available; it does not independently prove individual items, coverage eligibility, or the absence of fraud.
THE DIFFERENCE
Proof of payment.
Not a picture of proof.
A receipt may say a replacement suitcase cost $1,010. SpendStamp checks for an authorized transaction with a matching merchant, amount, and date—and clearly identifies what still needs review.
- Bank-backed transaction matching on supported accounts
- One claim-level report for every purchase
- Human review for cash, missing matches, or item-level questions
- Designed to share relevant evidence, not unrelated transactions
UPLOADED DOCUMENTA screenshot can be edited
$1,010.00
TRANSACTION EVIDENCEA direct match to authorized records
RRimowa$1,010.00
Matched amount ✓
Matched merchant ✓
Posted transaction ✓
EVERY CLAIM. ONE STANDARD.
Designed for 100% claims coverage.
Evidence determines the path.
Verification shouldn't be reserved for people an airline already suspects. The planned workflow gives every claimant a clear process, with alternative documentation for cash or unsupported accounts. A failed bank match must never automatically mean fraud or claim denial.
✓
Transaction matchPayment evidence available
Confirmed↗
Additional reviewItem detail, unmatched or pending payment
Review⋯
Alternative documentationCash or unsupported financial accounts
OpenCOMMERCIAL MODEL
We win when
airlines save.
Start with the airline's historical claims baseline, run SpendStamp for 90 days, and reconcile changes in confirmed improper payments and verified handling savings.
ILLUSTRATIVE COMMERCIAL OFFER
50% / 50%
Proposed pilot fee: 50% of independently verified net savings. No success fee on unsupported fraud suspicions or legitimate claim denials.
- 01 / BaselineEstablish the previous 12 months of claims data.
- 02 / DeployInclude all eligible reimbursement claims.
- 03 / MeasureCollect evidence and processing data for 90 days.
- 04 / ReconcileAdjust the agreed baseline for volume, mix, seasonality, and costs.
- 05 / ShareIndependently validate net savings before sharing them.
A lower payout is not automatically fraud prevented. Legitimate reimbursements and case-level evidence remain part of the reconciliation.
What could better evidence be worth?Explore the economics with your own assumptions.
Illustrative assumptionsPROJECTED ANNUAL AIRLINE SAVINGS$67,500
Gross savings$135,000SpendStamp fee$67,500
Airline savings are after the SpendStamp fee, before implementation costs. These assumptions are not industry statistics or promised results. Actual fees depend on independently validated net savings after agreed adjustments and costs.
THE LONG-TERM ADVANTAGE
An evidence network.
Built on shared facts.
As participation grows, the future network could help identify reused transactions, confirmed duplicate reimbursements, overlapping claims, previous verified evidence, and relevant refunds or reversals. Sharing would depend on customer consent, applicable law, and contractual data-sharing restrictions.
01More verified claims
Higher-quality evidence records.
02Better duplicate detection
Specific, explainable cross-carrier signals.
03Stronger network value
More relevant evidence as participation grows.
Future product vision, not a live capability. No secret traveler honesty score. Previous claims alone would never be treated as evidence of dishonesty.
Airline A
Airline B
Airline C
Airline D
SpendStampVerified evidence networkCOMMON QUESTIONS
Built for real claims.
Not just the easy ones.
Can a traveler claim multiple items?
The planned dossier supports a single purchase or multiple purchases. Multiple items paid for together can be grouped under one merchant transaction.
Does a matched transaction prove the item?
No. A bank match helps establish that money was spent at a merchant, on an approximate date, for a matching amount. Exact items and coverage eligibility may need additional proof.
What if the customer paid cash?
The planned workflow accepts alternative documentation. The airline would receive alternative evidence and a clearly marked review path rather than an automatic denial.
Does SpendStamp move reimbursement money?
No. The planned product sits upstream of existing airline approvals and payout providers. The airline keeps control over claim decisions and disbursement.
Does the airline see the traveler's bank history?
The product is designed to share only relevant verification results and evidence, not unrelated transactions. Exact data access and retention depend on permissions and provider terms.
DESIGN PARTNERS WANTED
Let's make airline claims
verifiable by default.
Become a Launch Partner. Agree on your claims baseline, route eligible cases through SpendStamp, and measure what changes.