Hi, and welcome to the Apple (user-to-user) Community !
Re: Apple Pay transactions:
"I have not been able to track my spending for over a year"
Wondering which Apple hardware model and which operating system you are using.
and whether your Mac or device has enough memory / storage space free in which to operate smoothly.
Eg: See used and available storage space on your Mac – Apple Support
or How to check the storage on your iPhone, iPad, and iPod touch - Apple Support
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Re: will only allow me to see my transactions from January 2022
You may want to try restarting your Mac or device, and see if that makes a difference (will often delete temporary files, clear, update info. etc):
For Mac :
Apple Menu (click black apple at top right) > Restart. Then wait, log back in.
For iPhone: How to: Restart your iPhone
For iPad: How to: Restart your iPad - Apple Support
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Re: How do I view my current transactions?
How to: See your Apple Pay transaction history - Apple Support
Eg: On your iPhone, open the Wallet app.
and tap a card to see a list of your latest transactions.
or
On your Mac with Touch ID,
go to System Preferences (or in Ventura, Settings) > Wallet & Apple Pay.
or
On your iPad, go to Settings > Wallet & Apple Pay.
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Re: I can not see any of my spending
As Apple Pay merely transfers money from your cards to merchants, for the most accurate record of your transactions, you can refer to the credit or debit statement(s) from your bank or card issuer.
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More Support:
There is a "Get Support" link to the Apple Pay Support Team, at the bottom of their webpage: Apple Pay - Official Apple Support (is also a support app available there)
Web-form for Feedback to Apple, if you wish:
Feedback - Apple Pay - Apple
All the best :-)
