SMS Pay Sync

Coming soon:

New feature: Currently available in these countries:

India

How to Connect SMS Sync to Wallet (and Track Your Payments):

1. On the main screen, tap Add new account (+).
2. Select SMS Sync.
3. Tap Start setup and follow the guided steps:
   1. Check battery restrictions: Allow Wallet to run without battery optimization/restrictions, so your phone doesn't stop it in the background.
   2. Enable Autostart (only on some devices, currently Xiaomi and Vivo): Allow Wallet to autostart. Without it, the system can block Wallet from reading notifications.
   3. Grant notification access to Wallet app: Allow Wallet to read your notifications. This is required to detect transactions from SMS.
4. Select your banks: Choose the banks for which you want your payments to be recorded automatically.
5. Your accounts are created automatically: The selected banks are now connected. Wallet automatically creates a separate account for each of them, named after the bank.
6. Done! Now, whenever you make a payment for which you receive an SMS from your bank, the transaction will automatically appear in Wallet.

✅ Important: For this to work properly, you must also have notifications enabled for SMS Notification app in your phone’s system settings (Different Android devices have different settings and paths).

FAQ

What's the difference between connecting SMS Pay and connecting a bank account?

SMS Pay:

• Transactions appear immediately in Wallet.

Bank Account:

• Transactions are imported with a delay (depending on the bank).

• You’ll see all activity – including transfers, withdrawals, etc.

The service isn’t working – what should I check?

If your SMS Pay transactions are not showing in Wallet, try the following:

✅  Notification access

• Make sure Wallet has permission to read notifications (not just to show them).

⚙️  Battery optimization

Some Android devices (e.g. , Samsung, Xiaomi, Huawei) can block background services even if permissions are granted:

• Samsung: Settings > Apps > Wallet > Battery > Unrestricted

• Xiaomi: Settings > Battery > Battery saver > Wallet > No restrictions

Enable autostart for Wallet (e.g. MIUI):

• Go to: Settings > Apps > Wallet > Autostart > Enable

Allow background activity:

• Settings > Apps > Wallet > Battery saver > Allow background activity

📵  Device-specific restrictions

In systems like MIUI or EMUI, ensure "Keep running in background" and "Allow autostart" are enabled, and battery optimization is disabled for Wallet.

Only some records are being imported into the app:

Wallet can only record transactions based on notifications sent by the SMS app. If you don't receive a notification on your phone, Wallet cannot record it. Some online payments or specific terminals might not trigger a notification.

Why do you need Notification access, and what does it allow?

We use it to detect and process transactions from your bank SMS notifications. Read more here:

👉 Notification Access Permission – What & Why?

Why does the final amount differ when paying in a different currency?

Final Amount Variance:

When paying in a currency other than your default, the final amount may vary due to the bank's exchange rates or processing fees.

Original Currency:

The original amount and currency are usually listed in the Note field of the transaction.

Recommendations:

• Enable Automatic Rates: Keep "Automatic Exchange Rates" enabled in settings for better accuracy.

• Manual Update: Before traveling, manually update exchange rates in the app to reflect current market data.