iPhone can't read SMS directly, so capture runs through a one-time Apple Shortcut automation that forwards bank/UPI texts to Splyt. Raw text is parsed and only the amount & merchant are kept.
POST URL
Header · X-Capture-Token
Create a Message automation
Shortcuts app → Automation → ＋ → Message → "Message Contains" debited / spent / UPI → Run Immediately (turn off "Ask Before Running").
Add "Get Contents of URL"
Method POST; URL = the POST URL above; under Headers add X-Capture-Token = your token; Request Body JSON → add field raw, and for its value tap the Shortcut Input variable (the blue chip) — don't type the words, insert the variable. That carries the message text.
Start a trip in Splyt
Open a group → Start trip capture. Matching texts now appear in your Inbox to review & split.
iOS shows a brief notification each time the automation runs — that's Apple's requirement and can't be turned off. Capture is best-effort and works best with the phone unlocked.
Android auto-capture
On Android, Splyt reads bank & UPI SMS and app notifications in the background — fully passive, no per-message taps. Parsing happens on your device; raw SMS never leaves the phone. Install the APK here once it's published.