Apple Pay
You pay with your phone or watch, and the transaction is already in your book: amount, merchant, category and the card’s account. The payment reaches Topf through an automation in the Shortcuts app that runs every time you tap a terminal.
- iPhone with iOS 26 or later
- A card in Wallet
- Topf from the App Store
Screens are drawn after iOS 27 and iOS 26. On your iPhone they may look slightly different.
First, in Topf
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Connect Apple Pay
Open Settings, then Automatic entry, and tap Connect next to Apple Pay.
The first time, Topf asks whether it may ask OpenAI about new merchants. Without that, merchants Topf knows are recorded from memory, and new ones wait in Inbox.
iOS 27: a ready automation
Topf hands out the whole automation as a link, and Connect opens it for you. If you are reading on your iPhone, you can take it here too.
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Add the shortcut
The link opens Shortcuts with the ready shortcut. Tap Add Shortcut.
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Open it
The shortcut Topf · Apple Pay appears among your shortcuts. Tap it, then Edit.
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Turn the automation on
Open the first block with its arrow and turn on Automation. iOS adds the automation switched off, and without this step it never runs.
iOS 26: build it by hand
On iOS 26 the link brings the shortcut without its automation, so you build that part yourself. It takes a couple of minutes.
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Create an automation
In Shortcuts, open the Automation tab and tap New Automation. If you already have automations, tap + at the top.
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Choose Wallet
In the list, choose Wallet.
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Select your cards
Select the cards you pay with. Choose Run Immediately, leave Notify When Run off and tap Next.
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Create a new shortcut
After Next, tap Create New Shortcut.
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Add Topf’s action
Find Topf and choose Record Apple Pay Payment.
Tap Amount, choose Shortcut Input and the amount field in it. Do the same for Merchant and Card.
Tap the checkmark at the top, and the automation is saved.
How to tell it works. On the Automatic entry page, Apple Pay shows Waiting for the first payment, and Active after the first payment.
Purchases online
Wallet runs only at a terminal. Purchases online and in apps come through bank notifications or bank SMS. Topf records a payment from two sources once.
What goes to OpenAI
Only a new merchant: its name and the amount, with the names of your categories. Merchants Topf knows are recorded from memory, without OpenAI. The details are in the privacy policy.
How to turn it off
In Shortcuts, open the automation and turn off Automation, or delete it. Topf cannot do this for you: iOS does not let apps switch automations off.
What it costs
Connecting is free, all of it. Without Plus, Topf records five payments a month on its own; the rest wait in Inbox for one tap. With Plus there is no limit.