A payment receipt is a record showing that a payment has been made. It normally states the amount and currency, the date and time, the payer and payee, the payment method, such as card, bank transfer or cash, and a transaction reference. Receipts may be printed by a payment terminal, sent by email or text after an online purchase or shown in a banking or wallet app. For card payments, the receipt often shows a masked card number and authorisation code rather than the full card details. In the United States, the remittance transfer rule requires providers of consumer remittances to give a receipt showing fees, the exchange rate, the amount the recipient will receive and the date funds will be available. A receipt is related to a payment confirmation, but usually records a completed payment, and it is a key piece of dispute evidence if a charge is later challenged.