Always keep your receipts. All card transactions must be substantiated (verified). If the transaction did not auto-substantiate, then you will need to send in a claim form and valid receipt showing the date of service, type of service, provider name and address, and amount of payment. Credit card slips are not valid receipts. For HRA plans, you will need to submit the insurance carrier Explanation of Benefits (EOB). Certain merchants have adopted an inventory control standard (IIAS) that cancels out the need for a receipt in nearly all cases. Transactions with these merchants (including Walmart, Walgreens, Target, Kroger, Harps, Kmart, Sam’s Club, and many others; see our website for latest list) should automatically substantiate.