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Why do bank transactions and person-to-person (P2P) payments require supporting documentation?

Overview

Bank and person-to-person (P2P) payment records, such as Venmo, Zelle, Cash App, PayPal, or a bank or credit card transaction, can show that a payment was made, but they don't provide enough information to verify what was purchased or whether the expense is eligible under your benefit.

If we need more information to review your expense, we'll ask you to upload supporting documentation that clearly identifies what was purchased.

Bank transactions

A bank or credit card transaction typically includes:

  • The merchant name

  • The transaction date

  • The amount paid

While this confirms that a payment was made, it doesn't include details about what was purchased. Supporting documentation helps us determine whether your expense is eligible under your benefit.

Examples of acceptable supporting documentation

Depending on your purchase, you can upload:

  • Gym memberships: Membership agreement, enrollment confirmation, active membership verification, or your initial contract

  • Classes or programs: Registration confirmation or enrollment receipt

  • Services: Itemized invoice, appointment confirmation, or receipt

  • Retail purchases: An itemized receipt or other documentation that clearly describes the items purchased

  • Parking and transportation: A transit pass, fare card, commuter rail purchase confirmation, email confirmation, or mobile app transaction record

Person-to-person (P2P) payments

Person-to-person payment services, such as Venmo, Zelle, Cash App, and PayPal, typically show:

  • The recipient

  • The payment date

  • The amount paid

These records confirm that money was transferred but don't identify what was purchased. Because of this, we'll need supporting documentation to verify that the expense is eligible under your benefit.

Examples of acceptable supporting documentation

You can upload documents such as:

  • An itemized receipt (if available)

  • An invoice

  • An appointment confirmation

  • A registration or enrollment confirmation

  • For home cleaning or pet sitting services, a screenshot from the booking platform showing the completed service, appointment details, and amount paid

  • For purchases from a reseller or online marketplace, the item listing and message thread confirming the sale

  • Any other documentation that clearly identifies what was purchased

Why is supporting documentation required?

Payment records only confirm that a payment or transfer occurred; they don't show what was purchased. Supporting documentation allows us to verify that your expense is eligible under your employer's benefit so we can review and process your reimbursement or transaction as quickly as possible.

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