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Log spending from your iPhone

Pay the way you normally do, and the amount and the place appear in Heartdue a moment later: counted against your budget, sorted into a category, and linked to a bill if that's what it was. No bank login, and nothing to type.

Showing the guide for iPhone.Using Android instead?

Before you start

  1. On your iPhone, open Heartdue and go to Spending → Phones → Add a phone. Choose iPhone and tap Create key. (Needs the Essentials plan.)
  2. Keep that screen open. It shows the address and your key with copy buttons, and these same steps with both already filled in.
  3. The key is shown once. If you lose it, remove the phone and add it again; it takes seconds.

You'll need iOS 17 or later (Settings → General → About → iOS Version) and at least one card in Apple Wallet.

Set up the Shortcut

Needs iOS 17 or later and a card in Apple Wallet. Takes about five minutes.

  1. Open the Shortcuts app, go to the Automation tab and tap New Automation (or +).
  2. Scroll down and choose Transaction.
  3. Leave Cards on all your cards (or pick the ones you want tracked) and merchants on Any. Choose Run Immediately, then tap Next.
  4. Tap New Blank Automation, then Add Action, and search for Get Contents of URL.
  5. Tap URL and paste: https://heartdue.com/api/phone/payment
  6. Tap the › arrow on the action to show more options, and set Method to POST.
  7. Under Headers, tap Add new header. Key: Authorization. Value: Bearer YOUR-PHONE-KEY (the word Bearer, one space, then the key).
  8. Set Request Body to JSON and add three Text fields. For each value, tap it, choose Shortcut Input, then tap that and pick the detail:
    • amount → Amount
    • merchant → Merchant
    • card → Card or Pass (called Name on some iOS versions; optional)
  9. Optional but handy: add a Show Notification action and pick Contents of URL, so you see Heartdue's reply after each payment.
  10. Tap Done.

Check it works: open the automation and tap ▶. There's no payment, so Heartdue replies “Connected!” and logs nothing. Your next Apple Pay payment will appear on the Spending page.

What it logs

  • Tapping your iPhone or Apple Watch to pay in a shop.
  • Apple Pay in apps and on websites.

It can't see a physical card, a bank transfer or cash; Apple only tells Shortcuts about Wallet payments. Add those on the Spending page.

What gets sent, and what Heartdue keeps

  • Only when you pay with Apple Pay. The Shortcut runs at that moment and not otherwise.
  • It sends three things: the amount, the merchant, and your card's name as it appears in Wallet (for example “Visa Debit”).
  • Heartdue keeps the amount, merchant, the card's name with any digits removed, the date and a category. Never a card number, and never a balance.
  • Your key is stored only as a scrambled fingerprint. It can add spending to one profile and nothing else; it can't read your bills, budget or balances, unless you choose to let this phone see “left this period”.
  • Who sees it: you, and anyone in your Trusted Circle you've given Full view.
  • Treat the key like a password. Don't screenshot the Shortcut or share it; the key is inside it. If you think it got out, remove the phone in Heartdue and it stops working immediately.

Troubleshooting

To see Heartdue's reply after each payment, add a Show Notification action to the automation and pick Contents of URL.

ReplyWhat it means
Connected!The key works. Nothing was logged because there was no payment; that's what you should see when you tap ▶ to test.
Logged 12.50 at …Saved. It's on the Spending page.
Looks like your … billSaved and linked to a bill already on your list, so it isn't counted twice.
Already loggedThe same payment arrived twice (usually a slow connection). The repeat was ignored.
This phone's key isn't valid any moreThe phone was removed in Heartdue, or the key was pasted wrongly. Add the phone again for a fresh key.
…comes with EssentialsLogging from a phone needs the Essentials plan or above.
…pausing it for a whileMore than 30 payments in an hour from one phone. It picks up again on its own.
Couldn't read an amountThe amount field is empty or not a number. In the automation, check amount is set to Shortcut Input → Amount.
  • Nothing happens after paying: open the automation and check it says Run Immediately, and that the card you paid with is ticked under Cards.
  • You get asked “Allow … to connect?”: tap Always Allow. iOS asks once per website.
  • “Card payment” instead of the shop's name: the merchant field isn't set. Check merchant is Shortcut Input → Merchant.
  • Transaction isn't in the list of automations: your iPhone needs iOS 17 or later.
  • Wrong category: change it on the Spending page. Heartdue remembers and files that merchant the same way next time.
  • A payment shows up crossed out: it matched a bill already on your list, so it's counted there instead. Tap Not this bill if that's wrong.

Turning it off

  1. In Heartdue, open Spending → Phones and tap Remove phone. The key stops working at once; spending already logged stays.
  2. In the Shortcuts app, open Automation, swipe left on the Transaction automation and tap Delete.

← Choose a different phone