Abstract: A combination payment and receipt form and method of using the same has a first top thin sheet with printed indicia areas that are filled in by the user. Transfer means are provided to transfer this information in a first predetermined color to a second bottom sheet of a size and thickness suitable for use as a postcard. The second lower card sheet has a background camouflage area printed in another predetermined color located in the area where the information is transferred, with the transferred information normally not readily distinguishable against the background pattern. The upper and lower sheets are then mailed to a second party who indicates an acknowledgment on the card sheet and returns the same as a postcard to the user. The user then views the returned card through a filter medium that freely transmits the other predetermined color and renders the information transferred in the first color darker than the background pattern.