Not every receipt protects you in an audit. Tripl checks each one and flags the weak ones.
The four things a receipt must show
To defend an HSA withdrawal, the IRS wants documentation with:
- ●The provider or merchant name.
- ●The date of service.
- ●A description of the service or item.
- ●The amount you paid.
A credit card charge slip usually has three of the four. It proves you paid someone. It does not say what you bought. That missing description is the problem.
The Card receipt flag
When a receipt looks like a bare charge slip, Tripl shows a small Card receipt badge on the expense. Open the expense and a banner explains the issue. The IRS wants proof of what you bought, not just that you paid.
Itemized receipts, invoices, superbills, and insurance EOBs all pass. Manual entries without a file are not flagged either way.
How to fix a flagged receipt
- ●Ask the provider for an itemized receipt or invoice. Most can reprint one, even months later. An EOB from your insurer also works.
- ●Open the flagged expense in Tripl.
- ●In the receipt section, click Replace and upload the itemized version.
The flag clears once the new receipt shows what the payment was for.
For the full background, read Credit card receipts and your HSA on the blog.