Future Apple Pay transactions → a saved retry queue → your budget.

Install Apple Pay logging

For iPhone with iOS 27. Install one ready-made Shortcut with its Transaction trigger included, connect your cards from the tracker, and approve the requested permissions. There is no setup code to copy or paste and no trigger, actions or fields to build.

1. Install the Shortcut

Open the tracker in Safari, then choose Settings → Apple Pay logging → Add a card. Enter the exact name shown when selecting the card in the Shortcuts Transaction automation. This is the transaction's Card or Pass name. Choose where expenses go, or keep Use default. A nickname is optional and does not replace the matching card name. Choose Save card & continue. For a saved card, choose Edit → iPhone setup.

Tap Install Shortcut to download the Apple-signed version 10 Shortcut directly. Open Budget Tracker Apple Pay.shortcut from Safari’s Downloads or Files → Downloads, then choose Add Shortcut or Replace. The When Any Card is tapped trigger is included; enable Automation if Shortcuts prompts you. Keep the name Budget Tracker Apple Pay, so the tracker can find it. Return to the tracker after installing.

If the download does not open, use Open in Safari and try it again. Already installed version 10? Continue to step 2.

Upgrading from an earlier version: version 10 checks server replies before reading them, preventing the “Rich Text to Dictionary” error. Open the version 10 install link and choose Replace, then return to the card’s setup and tap Test in Shortcuts. This checks only the selected card at the current tracker. If it has no saved connection, tap Connect in Shortcuts. You do not need to edit the Shortcut’s actions or turn off its automation to connect. It keeps the included trigger, support for a Transaction passed from another Shortcut, and messages for unmatched cards and connection or delivery problems. Keep your existing connection files and pending-payment queue. In the tracker, edit the existing card if its saved name is the bank's notification title rather than its Transaction card name. After saving a changed name, the tracker opens iPhone setup; tap Connect in Shortcuts again. Keep the same connection and account preference. Disable the earlier Notification → Wallet automation for these cards before enabling Transaction, to avoid capturing each payment twice.

If you have the earlier file with a Configure This Shortcut screen, discard that import and open the updated install link. Version 10 has no import questions. Replace or remove an older copy before adding this one.

2. Connect from the tracker

Return to the card’s iPhone setup in the tracker and tap Connect in Shortcuts. The tracker opens the installed Shortcut and transfers the connection automatically. Allow its requested access to the tracker website and its dedicated iCloud Drive → Budget Tracker folder.

The Connect link expires after ten minutes and works once. If it expires or a connection attempt is interrupted, return to the tracker and prepare a fresh link. Reconnecting replaces this card’s previous phone access when the link is used. Other configured cards keep their own connections.

Tracker reached means the Shortcut has contacted the tracker; it does not yet confirm a real purchase. One installed Shortcut can hold several cards. For another card, use Add another card → Connect in Shortcuts; there is no need to install another copy.

Use the tracker’s public HTTPS address. The ngrok preview works while the Mac and tunnel are running; everyday logging needs the integration on a permanent host.

3. Enable Wallet logging

The When Any Card is tapped trigger is already included in version 10. You do not need to create an automation or build any actions.

Keep Automation on, or enable it if Shortcuts asks. Notify controls the run notification and can be left off.
In Edit → Info → Privacy, allow running when locked if that setting is offered. Allow the individual Files and network permissions when iOS asks.

The included trigger uses Any Card. The Shortcut logs only your connected cards. You can narrow the trigger to selected cards if you prefer; leave Categories and Merchants set to Any to include all their purchases.

The ready-made Shortcut reads the transaction's card, merchant, amount and currency. It matches the Card or Pass name against your connected cards without a hardcoded bank. Leave its actions intact; you do not need to map fields yourself. If no saved connection matches the card, the Shortcut shows the received card name and tells you how to connect it. That payment was not saved; add the missed purchase manually after connecting the card. It does not assign the purchase to another card.

Use the included trigger for the simplest setup. It supplies the native Transaction through Shortcut Input. The same input carries the tracker’s Connect link, so version 10 checks the input’s type before choosing setup or payment processing. Leave those actions intact. Disable the earlier Notification → Wallet automation for each connected card. Previously queued notification records can still be delivered.

Check your next normal Apple Pay purchase in the tracker. Confirm its amount, merchant, date and destination account. Missing or unclear transaction details go to review without changing spending totals. Downloading or connecting alone does not confirm automatic logging; this purchase is the real-device check.

Get a confirmation from Budget

In the Budget Home Screen app, open Settings → Apple Pay logging → Payment notifications, tap Enable notifications, and allow the iOS prompt. Then tap Test notification. This test sends a notification only; it does not create a purchase. A successful test request means the push service accepted it; check your iPhone to confirm the banner arrived.

Budget sends a confirmation after receiving a payment, with separate messages for saved purchases and payments needing review. The banner does not show amounts, merchants or card names. Notifications are off until you enable them on each device. If you opened Budget in Safari, add it to the Home Screen first and open it there. You can turn these notifications off without changing the Shortcut or payment logging. There is no new Shortcut to install for this feature.

Check setup without making a purchase

Open Budget Tracker Apple Pay in Shortcuts and tap its play button. A manual run checks saved connections and retries payments already waiting on the phone. Its completion message distinguishes this check from a new payment; it does not recreate a past Wallet purchase or invent a test expense.

In the card’s iPhone setup, tap Test in Shortcuts to check only the selected card at this tracker and retry its queued payments. This needs version 10; install it using Replace first. The test link contains only the tracker address and connection ID, with no secret or pairing ticket. It does not reconnect the card or rotate its logging key. Unrelated cards and old tracker addresses are not tested. Read its result, then return to the tracker. The setup panel refreshes when the app becomes visible; Refresh status also checks again and reports whether there is new contact. The panel shows the last contact time and the exact Card name to match, with Edit card name if it needs correcting. Tracker reached confirms historical contact only; it does not validate the matching name or the automation. A new purchase appearing in Activity, or in the Apple Pay review list, confirms that its payment details arrived. Testing does not create a purchase. Tapping play directly in Shortcuts, with no input, still checks all saved connections and retries their payments.

Inspect Apple Pay Input is a separate diagnostic helper. Viewing a merchant name or sending it through Messages does not log an expense. The distributed Budget Tracker Shortcut contains no Send Message action. Use Budget Tracker Apple Pay to log payments; the inspector does not deliver them to the tracker.

If you already use a separate Transaction automation

The included trigger is recommended; this extra setup is optional. Version 10 can also accept a Transaction from an existing automation through Run Shortcut.

In that automation, choose Run Budget Tracker Apple Pay and set Input to the original Transaction variable. Do not select only Merchant or convert it to Text.
Turn off the included capture Automation in Budget Tracker Apple Pay before enabling the separate automation. Use only one capture automation per card to avoid duplicate expenses.
Keep the payment-processing actions inside Budget Tracker Apple Pay unchanged. A manual run with no input still checks connections and retries queued payments.

This accepts Transaction input, not a Wallet notification or a merchant-name message. The forwarded path is covered by action-graph tests; real iPhone execution still needs a payment check.

If setup does not finish

“Couldn’t convert from Rich Text to Dictionary”: replace the earlier Shortcut with version 10. Return to this card’s setup and tap Test in Shortcuts. The earlier file assumed every server reply was a Dictionary. Version 10 checks the reply first; an unexpected page or error identifies the affected tracker address without exposing credentials, and keeps unacknowledged payment files. This error alone does not identify which server or network condition caused the reply.
Unexpected reply from an old tracker address: use Test in Shortcuts from the card at your current tracker to check that connection only. A direct play-button run checks all saved connections, including older addresses. Do not delete pending payment files; confirm their purchases before removing any obsolete connection settings.
“Couldn’t convert from Text to Transaction” when connecting: install version 10 and choose Replace. Return to the tracker and tap Connect in Shortcuts again. The earlier Shortcut could mistake the Connect link for a payment; you do not need to delete actions or disable its automation to repair this.
“Couldn’t convert from Transaction to Text”: replace the earlier Shortcut with version 10 using Install Shortcut. The updated actions preserve the Transaction as structured data and read its fields individually. Keep your saved card connections and pending-payment queue.
“Please choose a value for each parameter” at an If action: tap Install Shortcut in the tracker to add version 10 and replace the earlier Shortcut. You do not need to edit its actions. Return to the tracker and tap Connect again for a fresh connection link.
Configure This Shortcut still appears: you opened the earlier download. Discard that import and tap Install Shortcut in the tracker for the updated signed download.
Shortcut not found: confirm that the installed name is exactly Budget Tracker Apple Pay, with spaces and no added number, then tap Connect again.
Connection expired or interrupted: return to the card’s setup and prepare a new Connect link. No copying or editing is needed.
Symbols or a text preview: open the downloaded file ending in .shortcut from Files → Downloads. You do not need to copy or edit its contents.
Tracker never reached: allow network and Files access, check that iCloud Drive is enabled, and check that the tracker server is running.
Transaction trigger is missing: replace the installed Shortcut with version 10 using the current install link. The signed package already includes When Any Card is tapped; you do not need to build an automation.
Card is not connected: use the exact card name shown in the Shortcut’s message to add or edit that card in the tracker, then tap Connect in Shortcuts again. Add the missed purchase manually; it was not queued. A nickname does not replace the matching card name.
Connection or delivery was not confirmed: follow the Shortcut’s message, then run it again after reconnecting or restoring network access. Unacknowledged payment files stay queued.
Nothing captured: run Budget Tracker Apple Pay manually and read its result first. Check that the capture automation you use is on and its selected cards include yours. With a separate automation, confirm that Run Shortcut receives the original Transaction. Check the Shortcut’s last-run error if iOS stops it before a result appears.
A payment needs review: open it in the tracker and check the displayed reason. The Shortcut does not guess missing amounts, currencies or merchants. Confirm the actual purchase details before saving.

Offline purchases and retry

Matching payment details are saved to separate files before network delivery. A failed request leaves the file for another attempt, using the same event ID to prevent duplicate expenses. The Shortcut removes a file only after the tracker acknowledges it.

Another matching transaction retries that card's queue. Running Budget Tracker Apple Pay manually retries connected cards. Test in Shortcuts in the tracker retries only the selected card at that tracker. An optional Time of Day trigger on the same Shortcut can retry on days without purchases; it is not included in the download. Previously queued notification records can still be delivered.

In Files, keep iCloud Drive → Budget Tracker downloaded. Locked and offline operation depend on iOS making that folder available. This version needs iCloud Drive. The folder stores private card connection settings and pending payment details; it follows your iCloud storage settings. Do not share it.

Incomplete or unclear payments go to the tracker's review list without changing spending totals. Automatic logging supports RM/MYR purchases; foreign currencies, nonpositive amounts and identifiable refunds need review.

A card-tap event is not confirmation that a bank settled the payment. If a payment is later declined, reversed or refunded, check its budget entry. Shortcuts does not always expose that status, so the tracker cannot automatically identify every failed payment.

Change or remove a card

Account and nickname changes in the tracker apply to future payments without reconnecting. Existing expenses stay unchanged. After changing the matching card name, use Connect in Shortcuts again to update the phone. If two cards provide the same name, this integration cannot reliably distinguish them; do not create duplicate connections for that name.

Reconnecting keeps the same delivery queue. Disconnecting a card in the tracker revokes its logging access. It does not remotely delete the connection file on your phone. Remove the old connection file from Budget Tracker → Connections if needed; keep pending queue files until you have checked their payments.

What has been verified

The public signed Shortcut contains no personal credentials. The Connect link passes a short-lived pairing token to Apple Shortcuts using Apple’s documented run-shortcut URL scheme. The tracker stores only its hash. Redemption consumes it once and returns a logging key restricted to delivery and connection checks, without granting access to read the budget.

The version 10 Apple-signed package includes the Transaction trigger, accepts forwarded native Transaction input, and checks setup text before payment processing. A native OS 27 probe confirmed that trigger input and Shortcut Input can resolve to the same value; the earlier assumption that they were separate caused the Connect conversion error. Version 10 retains one input path, validates server response types before Dictionary access, and separates a selected-card connection test from a retry of every saved connection. An unexpected response keeps queued payments and identifies the affected tracker without displaying its body or private keys. The build checks that the trigger and generated actions survive signing. Automated tests exercise the action graph against the real tracker API with an in-memory database. These package checks are separate from physical-iPhone verification.

Direct and forwarded Transaction delivery, exact card-name matching, permission prompts, and operation while locked or offline still need verification on an actual iPhone. Signing and automated tests do not prove these device behaviors. This integration captures future Apple Pay transactions, not past Wallet history or a direct bank feed.