Android Pay

  • 5
  • Idea
  • Updated 3 years ago
  • Not Planned
With the advent of Android Pay it would be handy if transactions made using Android Pay could go straight into Goodbudget.

I have no idea whether Google have an API for this but just putting it out there as an idea.
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Matt Morris

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Posted 3 years ago

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Karisa Russell, Official Rep

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Hi Matt, 

Thanks for the idea! I could see how that would make for some quick transaction recording. I've added your thoughts to our features tracker for future consideration. 

Thanks again. 
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Sean Kelly

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This is probably part of Matt's idea, but whether it's Android/Samsung/Apple pay, the ability that once a transaction has occurred, Goodbudget would have a small pop-up asking you to allocate the expense to an envelope.
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Karisa Russell, Official Rep

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Hi Sean, 

Ah! I see. So, whenever you make a purchase, you want to a see a pop-up that says something like "You spent 15 at Chevron, where should this transaction go?" 

That would be cool. I've added that to our tracker as well. 

If you're both on Android, you might like the Quick Record Widget for Goodbudget. It won't notify you in the same way you're suggesting, but it's useful for quickly recording common transactions. You can more about it at the bottom of this article: http://help.goodbudget.com/customer/en/portal/articles/1114573-how-to-get-started-on-android

Thanks! 
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Alan Switzer

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I LOVE, LOVE, LOVE the Android Widget. So easy to quickly record expenditures on the fly using it. Thanks for providing it. When your developers did that, they went above and beyond in my opinion.
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Karisa Russell, Official Rep

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Yay! I'm glad to hear you love the widget! 
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Alan Switzer

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I'm not sure I want Apple or Google to open up the "pay" side of their OS to be able to pass information between itself and other apps. That may be a security issue. 
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Karisa Russell, Official Rep

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Hi Alan,

You're right there would be security risks with a feature like that. In order to implement that kind of feature, we would most likely need banking passwords so that we could monitor banking activity. 

All to say, this isn't something we have plans to work on, but it's helpful to hear all sides and feedback for feature request. 

Thanks! 
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Ian Calvert

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I know this has been a while, but this would definitely not require anything like banking passwords. Android pay by default has a notification when you purchase something, if there's no direct intent / link that can be used.

As of android 6, you can request this permission only when a user selects it, so only the users who want to use it would be affected.
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Colin Grant

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I personally think this can all get too complicated. Some transactions posting automatically to GB whilst others have to be manually input or obtained via download from the bank. I would prefer to keep it simple :-)
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Jon Morgan

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I take your point about keeping it simple Colin, but as Ian pointed out, this would be an opt-in feature so you could choose not to use it, to set some to "ask" and others to automatically populate. I envisage that "asking" would be to auto-complete the GB widget as soon as the payment has gone through, allowing you to edit / just hit save, then you've still got your control but it's semi-automatic.  Now if you could only get my blooming banks to get on board with Android Pay and not insist on doing their own implementations...! :)
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Jon Morgan

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Just to be clear - I'd actually consider switching banks to get access to a feature like this! LOL :)
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Colin Grant

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I'd probably consider switching away from a bank that entertained it, opt in or not :-). There are enough issues with electronic banking security already. No need to add to the risks. My sentiment is that the bank account should be ring fenced from everything, as far as that is possible to achieve. So, no direct links to third party accounting packages please.Fortunately thus far UK banks have been broadly anti building links and long may it last
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Matt Morris

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What on earth are you talking about? Most UK banks already support Android Pay but it's your choice to use it. All we are discussing is the possibility of getting transactions made using Android Pay into Goodbudget. This has nothing to do with accessing your bank account. As you are clearly not using Android Pay this doesn't effect you.
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Ian Calvert

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I think there's a bit of a misunderstanding here. There are absolutely no direct links to bank accounts involved in any of this.

Currently what happens is this:

1. I go to the shops and buy something.

2. I touch the reader with my phone, and android pay does its magic, everything gets authorised.

3. Android pay then *pops up a notification on my phone* saying I spent £X at Y place.

4. I then open goodbudget

5. I hit add and type in the same information.

What I'd like to happen is the same all the way up to stage 3, then it would go

4. Goodbudget pops up a notification that it sees I've spent £X at Y and would I like to add it to the budget.

5. I click the notification, and I'm taken to the add transaction screen with the "where" and the amount already filled in.

So that's it, just responding to the notification (or any other built-in intents / events internally) that's already reported. This doesn't need to be linked in any way to your bank, nor am I suggesting any major difference between manually added transactions and this, it's just a quick way of giving my phone information my phone already has and reduces the friction for budgeting.
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Colin Grant

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No I don't use Android, I use Apple Pay. Apple Pay contains details of my various credit cards and debit cards. I do not want any third party app accessing an app that holds such information. It weakens the security level. British banks have thus far been reluctant to form links with third party accounting links and they should likewise be reluctant to adopt/allow something like this. Is that simple enough for you!
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Colin Grant

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Ian, what you suggest seems ok provided it is the app pushing numbers only to GB but I am paranoid about bank security and the recent Tesco issue goes to show how clever the bad guys are getting. To be perfectly honest I am quite happy to enter my data manually. If that got too much then there is always the download route available. On the basis that not everything can be done automatically (as per the Android suggestions) then it is probably simpler to have nothing done that way. That is my view and I won't change my mind :-)
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Ian Calvert

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edit - I thought the previous reply was to me, sorry. 

Paranoia on these matters makes a lot of sense. It's only because I know a bit more about how android works internally that I'd be more comfortable (if the right API exists) with some of the possible ways of making it work.

----

Goodbudget would not be accessing any of that information.

Is that simple enough for you!

I understand your reluctance, but I think it at least partly comes from not understanding what is actually required technically. I would not like goodbudget to access my card details either, but that's not what I'm proposing.

At the very least, this misunderstanding unfortunately suggests that while technically possible it might not be worth goodbudget implementing as others will probably think they have access to their bank details / card details or similar.
(Edited)
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Colin Grant

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Ian 'is that simple enough for you' was aimed at Matt Morris and his 'what on earth are you talking about'. Sorry for confusion. I hear what you say but whatever the route I would not use it - I do not really see its value in the scheme of things. I use Apple pay rarely in any event :-)
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Matt Morris

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Ian, very well put. This was my original thinking as to how this could work.

Colin, Apple Pay is a third party accessing your bank account. At any rate there was clearly a misunderstanding and it has derailed the conversation. I think Ian has clarified the intent very well.
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Colin Grant

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It is Matt, except I only use it with a credit card which keeps it away from my main bank account, but that is only detail I agree. That said, it is not permanently linked, I have to drive the link between the card reader and my phone via thumb reader which probably makes it more secure than waving plastic about in the shop :-). Still not sure about one app reading data from another (GB from Apple Pay) although I accept that is probably more secure than accessing bank account data. Either way I would never use the functionality being suggested.

But yes there has been a misunderstanding.
(Edited)