Transactions are the record of every card payment and bill payment in Budgetly. Here’s everything you need to manage them.
1. Edit a transaction
Change the receipt, GST, budget, category, tags, or notes on any transaction. Users can edit their own; admins can edit all.
Read the full guide: How to edit a transaction.
2. Upload receipts and extract GST
Budgetly’s AI automatically extracts GST from uploaded receipts. You can also enter GST manually or correct extracted values.
Read the full guide: Understanding receipt checks and GST extraction.
3. 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.
4. 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.
5. 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.
6. 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.
7. Understand declined transactions
Cards can be declined for insufficient funds, incorrect PIN, CVV lockout, or merchant issues. A $1.00 fee applies for insufficient-funds declines only.
Read the full guide: Understanding declined transactions.
8. 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.
9. 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.