The best YNAB receipt workflow is the one you will actually keep using. It needs to be fast enough for normal weeks and accurate enough that your categories still mean something.
A good workflow has four parts.
First, capture the receipt before it disappears. Paper receipts can go through the camera flow. Online receipts can be saved as images or PDFs if your plan supports them.
Second, review the split before syncing. Automation is useful, but your budget categories are personal. The review step keeps the data trustworthy.
Third, match the bank import when it arrives. This helps avoid duplicates and keeps the final transaction tied to the card charge.
Fourth, use memos only where they help. A useful memo explains the purchase later. A noisy memo just adds clutter.
SNAPT is built around this pattern: snap, analyze, adjust, sync. It turns a receipt into a YNAB-ready split transaction while keeping you in control before anything lands in the budget.