Track Apple Pay Purchases Without Ever Touching a Receipt
RCT connects to an Apple Pay Shortcut that fires a notification right after you tap to pay. Tapping that notification opens a quick-save screen with the amount already filled in, so you can pick a category and save the expense in one tap, no receipt needed.
Receipt scanning solves groceries, restaurants, and pharmacies. It doesn’t solve the bus fare you tapped for, the vending machine, or a parking meter, purchases that never print a receipt at all. Those are exactly the small, forgettable ones that quietly blow a budget over a month.
RCT closes that gap through an Apple Pay Shortcut. Once it’s set up, every contactless tap triggers a notification within seconds. Tap the notification and a quick-save screen opens with the amount already filled in from the transaction.
One tap to log, no camera involved
From there you just pick a category. RCT remembers which categories you use most often and surfaces them first, so a recurring purchase like transit or coffee is usually a single tap away. You can also add a currency (useful if you’re paying in a different one while traveling) or a short tag before saving.
Why this is a notification, not a background sync
Apple doesn’t let apps silently read your Apple Pay transaction history. The Shortcut approach works within that limit deliberately: it reacts to a payment as it happens and asks you, in the moment, whether you want to log it. That’s slightly more friction than a fully automatic bank sync, but it also means you decide what gets tracked, and it works the same way in the Netherlands, Germany, or Hungary regardless of which bank issued the card.
Where this fits with scanning
Think of it as the other half of the picture. Scanning handles anything that comes with an itemized paper or digital receipt. The Apple Pay Shortcut handles the contactless taps that don’t. Together, a day’s spending doesn’t have gaps just because you paid with your phone instead of walking out with a slip of paper.