When you pay with Apple Pay or a card stored in Apple Wallet, iOS can automatically trigger an action in 1M Finance via the Shortcuts app. You can either review each draft immediately or capture it quietly and review it later in Draft Review.
What you'll see in 1M Finance
Good to know: Drafts are not saved as real transactions until you confirm them. You can dismiss any draft you don't want to keep.
Choose a setup mode
Review now
Use Quick Add Wallet Expense. 1M Finance opens after each Wallet payment so you can confirm the draft immediately.
Save for later
Use Capture Wallet Expense Draft. Wallet payments are saved quietly for later review in Draft Review.
Already set up? Your current automation keeps using Review now. Switch the Shortcuts action only if you want Save for later.
POS only: This automation triggers when you pay at a physical card terminal or POS. Online purchases, in-app payments, and web payments do not trigger it.
Requirements
- iPhone running iOS 17 or later
- At least one card or pass added to the Wallet app (Apple Pay, debit, credit, or transit card)
- 1M Finance installed from the App Store
- The Shortcuts app (preinstalled on iOS)
Setup Guide
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Open Shortcuts and create a new automation
Open the Shortcuts app on your iPhone. Tap the Automation tab at the bottom, then tap New Automation (or the + button if you already have automations).
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Choose the Wallet trigger
In the trigger list, find and select Wallet — it shows “When I tap a Wallet Card or Pass”.
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Select your cards and set run behavior
Select which cards or passes should trigger the automation. We recommend selecting all of them so eligible Wallet payments from those cards can be captured.
Scroll down on the same screen. Under the run behavior options, select Run Immediately and optionally disable Notify When Run to suppress the Shortcuts notification. Tap Next.
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Create a new shortcut and add the 1M Finance action
On the next screen, tap Create New Shortcut. Do not tap the 1M Finance app suggestion directly — you need the full action editor.
In the action editor, tap the Search Actions bar at the bottom and search for “1M Finance”. Select 1M Finance, then choose the action for your setup mode: Quick Add Wallet Expense for Review now, or Capture Wallet Expense Draft for Save for later.
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Map the payment fields
The action card shows four fields: Amount, Merchant, Name, and Card or Pass. Each one needs to be connected to the corresponding Wallet transaction data. The process is the same for each field:
- Tap the field's gray placeholder text on the right (e.g. “Amount”).
- Above the keyboard, tap Select Variable.
- A Shortcut Input label appears between the trigger and the action — tap it.
- The field now shows “Shortcut Input” in blue — tap it again.
- A property picker opens — select the matching property (e.g. Amount for the Amount field).
Repeat for all four fields: Amount, Merchant, Name, and Card or Pass.
If you tap the 1M Finance action directly in Shortcuts, iOS may only ask for Amount. That manual prompt is expected because the other fields are optional, but the Wallet automation should still map all four fields for the best draft review later.
When all four fields are mapped, the action card shows each field connected in blue:
How matching works: 1M Finance uses the merchant and name to automatically match future transactions to the same category and subcategory. The amount's currency and card or pass help match the expense to the correct account.
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Save and test
Tap the checkmark button in the top-right corner to save the automation. It now appears in the Automation tab.
Make a payment at a physical card terminal to test. After the payment, the automation triggers. Review now opens 1M Finance for immediate confirmation; Save for later keeps the draft in Draft Review until you open the app.
Tip: You can edit the automation later by tapping it in the Automation tab. This lets you replace the 1M Finance action, change the run behavior, or review the field mapping.
Tips & Troubleshooting
The automation does not trigger
- This automation only triggers for payments at physical card terminals (POS). Online purchases, in-app payments, and web payments do not trigger it.
- Make sure the card you paid with is one of the cards selected in Step 3.
- Check that the automation is enabled in Shortcuts — it should not show as paused or disabled in the Automation tab.
I don't see the 1M Finance Wallet actions in action search
- Make sure you tapped Create New Shortcut in Step 4 and are searching in the action editor, not the trigger selection screen.
- Make sure 1M Finance is installed and has been opened at least once. iOS discovers App Intents only after first launch.
- Look for Quick Add Wallet Expense if you want Review now, or Capture Wallet Expense Draft if you want Save for later.
- Try restarting the Shortcuts app if the action does not appear.