Made for India · bank & UPI SMS
Every bank and UPI transaction, tracked automatically.
Payme reads your transaction SMS on your phone, uploads only the financial messages, and turns them into a clean dashboard — with your own accounts and UPI IDs recognised, so transfers between your accounts are never counted as spending.
Only financial SMS leave your phone
OTPs, personal messages and promotional texts are filtered on your device and never uploaded. Ever.
Your own accounts, recognised
Add your accounts and UPI IDs once. Transfers between your own accounts are detected and kept out of your income and spend.
Raw messages are deleted after 90 days
The extracted transaction stays; the original message text is purged on a schedule you can see in the app.