SMS processing
Scan current and past transaction messages using a date range you choose.
- Flexible import date ranges
- Bank debits, credits, UPI, cards and wallets
- Balance updates, refunds and cashback
Your money,
tracked automatically.
Flozo reads supported transaction SMS and notifications from banks, UPI apps, wallets and WhatsApp to organize your income and expenses—without manual entry.
- Core tracking works offline
- Built for Indian transactions
- Android 8.0+
Real-time captureFrom SMS and app alerts
Smart matchingHelps prevent duplicates
Overview●
Net balance
₹24,650
Income₹36,400 ↑
Expense₹11,750 ↓
Recent transactionsView all
↓
Salary creditedHDFC Bank · SMS
+₹32,000
₹
Amazon PayUPI payment
−₹1,299
↯
Jio RechargeApp notification
−₹239
↻
Cashback receivedPaytm
+₹350
Everything important, automatically
Built to understand Indian transactions
Flozo combines SMS scanning, notification listening and intelligent parsing in one straightforward finance tracker.
Notification listening
Capture transaction alerts in real time from supported apps, even while the phone is locked.
- SMS apps and WhatsApp payment alerts
- Banking, UPI, wallet and finance apps
- Detects compatible notification formats
Smart parsing
Turn payment text into clear, organized transaction records.
- Amount, merchant, method and account
- Income, expense and transfer detection
- Categories with manual review fallback
Duplicate protection
Matching logic helps prevent the same payment from appearing twice.
- Matches SMS and notification records
- Time-aware comparison
- Merchant name comparison
Background tracking
Designed to keep tracking throughout the day with minimal effort.
- Restarts after common app interruptions
- Battery-aware background operation
- Core tracking can work without internet
Made for Indian payments
Understands common formats used by Indian banks and payment services.
- UPI, cards, wallets and bank alerts
- Payment and finance app notifications
- Major Indian transaction formats
From raw alerts to useful financial records.
Flozo recognizes common Indian payment formats and extracts available transaction details from supported alerts.
AmountMerchantPayment methodAccountUPI handleBankTransaction typeCategory
Bank alerts
Debit, credit and available account balance updates.
UPI payments
Alerts from compatible UPI and payment apps.
Cards and wallets
Credit card, debit card and wallet activity.
Bills and transfers
Bill payments, transfers and recharges.
Refunds and cashback
Supported credits are organized automatically.
Unclear transactions
Uncertain parsing is marked for manual review.
Simple setup
Grant permission once. Flozo handles the rest.
- 1
Allow SMS access
Scan transaction messages and import older records for the date range you choose.
- 2
Enable notifications
Capture supported payment alerts from compatible apps as they arrive.
- 3
Keep background access active
Exclude Flozo from aggressive battery optimization for more reliable tracking.
Clear permissions
Access needed for automatic tracking
Android requires these permissions so Flozo can scan existing messages and detect future transaction alerts.
✉
SMS read permission
Used to scan transaction SMS and import historical records.
●
Notification access
Used to detect supported payment alerts from compatible apps.
↻
Battery optimization exclusion
Helps reduce interruptions to background tracking.
A8
Android 8.0 or newer
Flozo requires Android API level 26 or later.
Good to know
Transparent about limitations
Automatic tracking depends on Android, device settings, and whether a transaction produces a supported SMS or notification.
Transactions without a supported alert cannot be captured automatically.
Some device brands apply stricter SMS or background limits.
Aggressive battery savers can stop notification listening.
Users are responsible for reviewing records and maintaining their own backups.
No manual entry. No spreadsheets. Just Flozo.
Organize supported transaction alerts from Indian banks, UPI apps, wallets, SMS apps and WhatsApp payment notifications.