4.2 Common Failure Cases

  • Payment made before check-in (manual import) → If the check-in timestamp is later than the payment timestamp, BIND is invalid.

  • Merchant name omitted → Some issuers (e.g., certain AMEX or QuickPay) may show only generic terms like “SHOP.” → Not valid.

  • Using receipts or invoices → Not accepted as proof. Only official card statements are valid.

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