Payment sources

A payment source is what paid for an expense in a nest, such as a card, a bank account or cash. Each one is yours, and it belongs to one nest.

When you add an expense, you pick one of your payment sources under Account. Eider fills in the one you used last, or Cash if you have none yet. If you pick a merchant you've paid before, Eider switches to the payment source you last used with it, unless you already chose one yourself. The expense's details show it next to Account.

To see yours, tap the circle at the top left of your home screen, then Payment sources. The list holds only your payment sources in the nest that's open. In each of your other nests you have a separate set.

Under each name, the list says Cash, Card, Bank account or Account. For one you add by name, Eider tells a card from a bank account by words in the name, such as Visa for a card or checking for a bank account, and says Account when the name doesn't say. Renaming it later doesn't change this.

A payment source is only a label. Eider doesn't reach your bank through it, and adding one asks for no card number and no bank sign-in. On some screens the app calls a payment source an account, as in Add account and Account label.

Payment sources are free. Receipt scanning and bank sync, which can add or link them, are part of Plus.

A connected bank account is yours and sits outside every nest, so its charges can go to any nest you're in. A payment source lives in one nest and labels the expenses you add there.

When you connect a bank or card, each of its cards and bank accounts is listed on Connected banks & cards, and their charges arrive in Your charges, which only you see. You can't rename a connected account in Eider, and it never appears under Payment sources.

A payment source is listed under Payment sources in its own nest, and you can add, rename, merge or delete it there.

The two can be the same card. When a connected card has the same last 4 digits as exactly one of your payment sources in a nest, Eider links them in that nest.

When you add a charge to a nest, the expense is filed under the payment source its card is linked to there. If the card isn't linked in that nest, the expense is filed under the connected card itself, and you see it by the card's name, for example Chase 9257.

Open Payment sources and tap Add to add one. Tap a payment source to rename it or to merge a duplicate into it.

Add

Tap Add, type a name you'll recognize under Account label, and tap Add account.

Rename

Tap the payment source, change its Account label, and tap Save changes.

Merge

Tap the payment source you want to keep. Under Merge duplicates into this one, tap the duplicate, then tap Merge to confirm.

Delete

On the web, tap the payment source, then tap Delete under Delete account. It's deleted right away, with no question first. On iPhone and Android, swipe left on it in the list, or press and hold it and tap Delete account. There, Eider asks "Delete account?" first, and Delete confirms.

You can also add one while you add an expense. Type a new name under Account and tap Create new account, and Eider adds it when you save the expense. Cash is always offered there too, and it becomes one of your payment sources the first time you save an expense with it.

Merging moves every expense on the duplicate to the one you keep, including expenses in settled periods, and takes the duplicate off your list. Merge duplicates into this one only appears when you have another payment source in the nest.

Deleting takes a payment source off your list, and the expenses already filed under it keep its name. A delete can't be undone. You can't delete your last payment source in a nest, so Delete isn't offered on it.

Merging and deleting don't move a repeating expense. One set to a payment source you merge away or delete keeps adding its new expenses under that payment source, and its Account reads No account. To move it, open the repeating expense, pick a payment source under Account, and save.

To undo a merge, open the payment source you kept. Under Merged into this one, each payment source you merged into it is listed with when you merged it, with Undo beside it for 30 days. Tap it, and Eider asks, for example, "Put VISA 9257 back?" and says how many expenses move back. Tap Undo to confirm.

The payment source comes back to your list, and the expenses the merge moved that are still on the one you kept move back to it. Any you have filed under another payment source since stay where they are. After 30 days the merge stays listed, without Undo.

A receipt you scanned showed a card's last 4 digits, and none of your payment sources in that nest had them, so Eider added one for the card when you saved the expense.

Eider names it after the card's network and its last 4 digits, like VISA 9257, or Card 9257 when it can't tell the network. While you review the receipt, it shows under Account with the note New card · will be added when you save. If you pick a different payment source before you save, it isn't added.

If one of your payment sources in the nest already has those last 4 digits, Eider picks that one instead, and the note says Detected from your receipt. It does the same for a payment source you merged a scanned card such as VISA 9257 into.

Only a payment source a receipt scan added has last 4 digits Eider knows. One you added by name has none, even if its name ends in the same digits, which is how a card you already had can show up a second time as VISA 9257.

To put the two together, open the one you want to keep and merge VISA 9257 into it. Eider remembers the merged name, so later receipts from that card go to the one you kept. If you delete VISA 9257 instead, the next receipt you save from that card adds it again.

You can also keep VISA 9257 and rename it. It keeps its last 4 digits, so later receipts from that card still go to it.

Scanning a receipt is part of Plus.

Eider links a card or account from your bank to one of your payment sources in a nest when exactly one of yours there has the same last 4 digits.

It looks for a link each time it checks your bank for charges, starting when you connect it. It looks in each nest you're in on its own, and only at your payment sources, never another member's. A payment source carries a card's last 4 digits only if a receipt scan added it for that card, or if you merged a scanned card with those digits, such as VISA 9257, into it. If none of yours in that nest has them, or more than one does, Eider doesn't link the card there. A link it already made stays if another of your payment sources gets the same digits later.

Once a card is linked to a payment source in a nest:

• A charge from that card that you add to the nest becomes an expense filed under that payment source, the same as an expense you add by hand with it.
• An expense filed under that payment source counts as the same card when Eider looks for a charge's expense. So Eider can link the two automatically, or ask about them when you add the charge or add the expense.
• When the link is new, Eider checks the card's charges you haven't added or linked yet against that nest's expenses, so a charge for an expense you added earlier can be linked automatically.

Without a link, an expense filed under one of your payment sources counts as a different card from the one at your bank, so Eider never links a charge from that card to it.

Eider doesn't show which payment source a card is linked to, and there is no way to link one yourself or remove a link. A charge you add from the card shows it: the expense's details name the payment source next to Account.

If you merge or delete the payment source a card is linked to, Eider looks for a new link the next time it checks your bank for charges. If you merged it under its scanned name, such as VISA 9257, the link moves to the payment source you kept. Until Eider finds a new link, a charge you add from that card is filed under the card itself.

Eider shows your payment sources and their names only to you. On an expense, the other members of the nest see your first name and what kind of payment source it was instead.

Your Payment sources list is yours alone, in every nest. Next to Account in an expense's details, you see the payment source's name. The other members see, for example:

• Sam's VISA, when a receipt scan read the card's network
• Sam's card, Sam's bank account or Sam's account, when there is no network to show
• Sam's cash, for Cash

Eider never shows them a payment source's last 4 digits.

An expense added from one of your bank charges is shown the same way. When the card isn't linked to a payment source in that nest, the other members see the kind of account, such as Sam's card, and never the card's name.

When you merge payment sources, each expense that moves says so in its history, for example "Sam merged a duplicate account in", with "Account changed via merge." under it. It doesn't name either payment source.