How to Automatically Track Your GPay, PhonePe, and Paytm Transactions

India's UPI Revolution Created a New Problem

India processes over 10 billion UPI transactions per month. GPay, PhonePe, Paytm — everyone uses them. But here's the irony: most people have no idea how much they're spending digitally.

UPI made spending frictionless. Too frictionless. ₹50 here for chai, ₹200 there for vegetables, ₹500 for an auto — small amounts that add up to lakhs by month's end.

The Manual Entry Trap

Most expense trackers ask you to manually log every UPI payment. But if you're making 10-15 digital transactions a day, you'll forget half of them by evening. The whole point of tracking is defeated.

SMS Auto-Import: The Smart Way

Every UPI transaction sends an SMS confirmation. DhanRakh reads these messages automatically and imports your transactions — amount, merchant, date, payment method — without you lifting a finger.

• Google Pay — auto-detected and imported
• PhonePe — auto-detected and imported
• Paytm — auto-detected and imported
• Bank apps — HDFC, SBI, ICICI, Axis — all supported

No Login Credentials Needed

DhanRakh never asks for your bank login, UPI PIN, or any financial credentials. It only reads SMS messages — the same messages you already receive. No screen sharing. No account linking. Just SMS permission.

Cash + Digital = Complete Picture

The real power isn't just UPI tracking — it's combining digital and cash transactions in one place. Log cash payments by voice, and UPI transactions auto-import. For the first time, you see your complete financial picture.

An auto driver who collects cash fares and pays for fuel via GPay can finally see everything in one app — in his own language.

Free for 50 Transactions/Month

DhanRakh's free tier includes 50 UPI auto-imports per month — enough for most individuals. Plus plan unlocks unlimited auto-import for heavy users and shopkeepers.