Eligible Wallet taps
When Wallet fires a supported Transaction event for cards you selected, the Shortcut can pass permitted details into Monetor for review.
Track Apple Pay. Skip the bank login.
Capture eligible Apple Wallet purchases through a Shortcut you install and a personal Transaction automation you configure—with your approval. This is not a bank feed.
Clear boundaries
What Monetor does with Apple Pay — and what it doesn’t
Monetor captures eligible Apple Wallet taps through a Shortcut you install and a personal Transaction automation you configure. It does not log into your bank, connect via Plaid, use a privileged Wallet API, import full Wallet history, backfill past taps, or guarantee every Apple Pay, online, Apple Cash, or subscription event.
No bank credentials
No bank sign-in and no aggregator handoff. You approve the Shortcut and automation—not a third-party bank connection.
Your review, same ledger
Categorize, correct merchants, and keep Apple Pay beside receipts and cash in one month view—not a generic budget dump.
Why this path
Why skip bank login for Apple Pay tracking
Some people refuse bank credential sharing. Others have institutions aggregators support poorly. Many mix Apple Pay with cash and travel spending that never lands cleanly in a feed. Monetor captures what Wallet can automate, then completes the month with receipts and manual entry—without pretending a bank login is the only serious option.
| Model | What it does well | Tradeoff |
|---|---|---|
| Bank aggregator | Broad history and balances where the connection works. | Requires authorizing a provider; depends on institution support and connection health. |
| Wallet automation | Can capture eligible Apple Pay taps as they happen, without Plaid. | Not full Wallet history; coverage varies by card, issuer, region, and iOS. |
| Pure manual | Maximum control; nothing runs without you. | Every purchase depends on remembering to type it. |
Product beats
How capture works
Setup is deliberate. Three product beats replace a bank connection—then you review what arrives.
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01
Install the Shortcut
Start from Monetor and add its Apple Shortcut. Review every action and permission before enabling it.
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02
Choose Wallet Transaction cards
Create a personal Transaction automation in Shortcuts for the eligible Wallet cards you want to track.
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03
Pay and review in Monetor
After a qualifying tap, permitted details move into Monetor to categorize, correct, and keep the month honest.
Need field mapping, Run Immediately, and troubleshooting? Follow the full walkthrough—this page stays product, not a second setup guide.
Wallet is not every Apple Pay transaction
Apple Pay covers many payment styles. Monetor’s automation only sees events Wallet exposes through the Transaction trigger for cards you selected—a narrower, more honest promise than “tracks all Apple Pay automatically.”
Use the Shortcut workflow for eligible Wallet payments. Scan a receipt for a cash or physical-card purchase. Add the rest manually. Every route leads to the same month view, categories, bills, goals, and analytics. The wider product is a finance app without bank connection.
- Coverage depends on iOS version, card, issuer, and region
- No backfill of taps made before setup
- Tips and settlement amounts can differ from what first arrived
- Refunds may need a follow-up receipt or manual correction
- Online checkout, Apple Cash, many subscriptions, physical cards, and cash often need another route
Same ledger
Complete the month without a bank feed
Eligible Wallet taps are one input. Scan receipts when the automation does not fire. Log cash and the rest by hand. Every route lands in the same categories, bills, goals, and analytics—a capture-first finance app, not a generic budget template waiting on a broken Plaid link.
Receipt scanner
Turn paper and screenshots into editable transactions when Wallet misses the purchase.
Cash and card
Keep cash, physical cards, and Apple Pay beside each other in one readable month.
No bank connection
See the full privacy and workflow story when bank login is a hard boundary.
Apple Pay tracking FAQ
Does this read my full Apple Wallet history?
No. Monetor does not import your complete Apple Wallet history. A Transaction-triggered personal automation responds to future supported events for the cards you select. Purchases made before you set it up are not backfilled.
Will it capture every Apple Pay purchase?
No. Coverage depends on iOS version, card, issuer, region, and whether Apple Wallet fires a Transaction event you configured. Online checkout, Apple Cash, many subscriptions, physical-card swipes, and cash usually need a receipt scan or manual entry instead.
Do I need to give Monetor my bank password or connect Plaid?
No. The Apple Pay capture path does not ask for bank credentials and does not require a Plaid-style bank connection. You install a Shortcut and configure a personal Wallet Transaction automation that you control.
Is Monetor on-device only / does data stay only on my iPhone?
Monetor never asks for bank credentials. Account data is kept on a private Supabase backend with encryption at rest. There is no ad tracking and we do not sell your data. This is not an on-device-only app—expense records sync with your Monetor account rather than staying solely on the phone.
Can I use more than one card? What about subscriptions and cash?
If Shortcuts lets you select those cards in the Wallet Transaction trigger, you can include them—test each card. Subscriptions, Apple Cash, and cash spending are better handled with receipt OCR, recurring bills, or manual entry so the same month view stays complete.
Related guides and features
Track the purchase. Keep the credentials.
Join Monetor early access for iPhone. We’ll send availability and setup details—no marketing maze.