Transactions are the record of every card payment and bill payment in Budgetly. Here’s everything you need to manage them.
1. AI Bookkeeping
AI Bookkeeping automatically categorises new transactions, applies tags, extracts GST from receipts, and checks receipts on card transactions. It’s active by default for all companies — look for the green asterisk (✱) next to AI-applied values in your transaction list.
Read the full guide: Understanding AI Bookkeeping.
2. Receipt checks
Card transactions with an uploaded receipt show a Receipt check status — either Verified or Flagged. Bills, deposits, and wallet debits don’t have receipt checks. Admins and accountants can manually verify flagged receipts.
Read the full guide: Understanding receipt checks and GST extraction.
3. Edit a transaction
Change the receipt, GST, budget, category, tags, or notes on any transaction. Users can edit their own; admins can edit all. If a value was set by AI Bookkeeping, you can confirm it with a thumbs up or correct it using the “Train your agent” feedback control.
Read the full guide: How to edit a transaction.
4. Tag transactions
Add custom labels to transactions using up to three tag groups. Tags help with reporting and Xero sync.
Read the full guide: How to use tags on transactions.
5. Handle missing categories
Your Dashboard flags transactions without a category. Categorise them to keep reports accurate and Xero sync working.
Read the full guide: How to handle transactions missing a category.
6. Export transactions as CSV
Download filtered transactions as a CSV file for reconciliation or import into MYOB, QuickBooks, or other accounting software.
Read the full guide: How to export transactions as CSV.
7. Understand transaction limits
Per-transaction, daily, contactless, ATM, and international limits apply to all Budgetly cards.
| Limit | Amount |
|---|---|
| Single transaction / daily | $300,000 |
| Contactless (tap) per day | $500 |
| Daily ATM cash out | $10,000 |
Read the full guide: Understanding transaction limits.
8. Understand declined transactions
Cards can be declined for insufficient funds, incorrect PIN, CVV lockout, merchant issues, or company-set Spend Controls. A $1.00 fee applies for insufficient-funds declines only.
Read the full guide: Understanding declined transactions.
9. Dispute a transaction
If you don’t recognise a charge, freeze the card, check with the merchant first, then lodge a dispute with Budgetly if needed.
Read the full guide: How to dispute a transaction.
10. Protect against fraud
Keep your card safe with secure practices — strong passwords, MFA, checking ATMs for skimmers, and shopping on HTTPS sites.
Read the full guide: Protecting yourself against card fraud.