How to Send Money with Apple Pay: A Comprehensive Guide

Apple Pay offers a seamless and secure way to send money to friends and family right from your Apple devices. Whether you’re splitting a bill, sending a gift, or simply lending a helping hand, Apple Pay’s integration with Apple Cash makes transferring funds quick and easy. This guide will walk you through everything you need to know about How To Send Money Apple Pay, ensuring you can confidently use this convenient feature.

To fully utilize your Apple Cash account and ensure it’s FDIC insured, you might be required to verify your identity. Once verified, your Apple Cash account gains full functionality and FDIC insurance eligibility.

Sending Money via the Messages App with Apple Cash

One of the most straightforward ways to send money with Apple Pay is through the Messages app. Apple Cash is the default funding source when sending money this way, but you can also choose to use a debit card.

Steps on your iPhone:

1. Launch the Messages app and open an existing conversation or start a new one.

2. Tap the plus (+) icon, then select Apple Cash. Input the amount you wish to send and tap “Send”.

3. Optionally, add a comment that will be visible in the transaction history for both you and the recipient.

   Image of iPhone sending money in the Messages app

   Alt text: Sending money via Apple Cash in the Messages app on iPhone, showing the amount entry and send button.

4. Tap the “Send” button to review your payment details.

5. To switch the payment method to a debit card, tap “Change Payment Method”.

   • Toggle the Apple Cash slider to the off position.
   • Select your preferred debit card.

6. If your Apple Cash balance is insufficient, the remaining amount can be covered by your debit card.

   • Both your Apple Cash card and debit card will be displayed, showing the respective amounts to be deducted from each.

7. Double-click the side button to finalize the payment, then authenticate with Face ID, Touch ID, or your passcode.

If you haven’t yet added a debit card to your Wallet, you’ll need to add one to send money.

Steps on your Apple Watch:

1. Open the Messages app and tap on the conversation you want to use.

2. Tap the plus (+) icon, then tap Apple Cash.

3. Adjust the amount by tapping the minus (-) or plus (+) signs, or by using the Digital Crown.

   Image of Apple Watch sending money in the Messages app.

   Alt text: Sending money with Apple Cash on Apple Watch through the Messages app, showing amount adjustment with Digital Crown.

4. Tap “Send”, then review and confirm or cancel the payment.

5. Double-click the side button to send the payment securely.

Sending Money via the Wallet App with Apple Cash

Alternatively, you can initiate sending money directly from the Wallet app.

1. Open the Wallet app on your iPhone and tap on your Apple Cash card.

2. Tap “Send or Request”, then choose a recipient from your contacts or add a new contact.

   Image of iPhone sending money in the Wallet app

   Alt text: Sending money via Apple Cash through the Wallet app on iPhone, highlighting the ‘Send or Request’ option.

3. Tap “Next”, then enter the amount you wish to send.

4. Tap “Send”, followed by tapping the “Send” button to confirm.

5. Double-click the side button to pay and authenticate with Face ID, Touch ID, or your passcode.

Utilizing Tap to Cash for Instant Transfers

For in-person transactions, Tap to Cash offers a contactless way to send money.

Image of the top of two iPhones next to each other

Alt text: Tap to Cash feature on iPhones, enabling quick money transfer by tapping devices together.

Learn how to send and receive Apple Cash with someone nearby without needing to exchange phone numbers or email addresses. This feature provides a quick and private method for transferring funds.

Setting Up Recurring Apple Cash Payments in Wallet

For regular payments, you can set up recurring transfers within the Wallet app. Apple Pay allows you to schedule weekly, biweekly, or monthly payments.

1. In the Wallet app on your iPhone, tap your Apple Cash card.

2. Tap the “More” button, select “Recurring Payments”, and then tap “New Recurring Payment”.

   Image of iPhone showing the More menu with Recurring Payments selected

   Alt text: Setting up recurring payments with Apple Cash, showing the ‘Recurring Payments’ option in the Wallet app menu.

3. Add the recipient and follow the on-screen prompts to specify the payment amount, start date, and frequency. You can also add a memo for payment identification.

4. Tap “Send”, then tap the “Send” button to review the payment schedule.

5. Double-click the side button and authenticate with Face ID, Touch ID, or passcode to confirm the recurring payment setup.

Managing Recurring Payments

You can easily edit, cancel, or pause scheduled recurring payments.

1. Open the Wallet app, tap your Apple Cash card, and then tap the “More” button.
2. Tap “Recurring Payments”, select the payment you wish to manage, and choose to cancel, pause, or “Edit” to modify payment details.

Accepting Payments via Apple Cash in Wallet

When someone sends you money via Apple Cash, it’s securely deposited into your Apple Cash balance. You can then use these funds for Apple Pay purchases, send money to others, or transfer it to your linked bank account or eligible debit card.

Identity Verification for Accepting Payments

Upon accepting a payment, you might be prompted to verify your identity to ensure security and compliance.

Choosing Automatic or Manual Payment Acceptance

You have control over how you receive Apple Cash payments.

1. Open the Wallet app, and tap your Apple Cash card.
2. Tap the “More” button, then “Card Details”.
3. Select either “Manually Accept Payments” or “Automatically Accept Payments”.

With “Manually Accept Payments” enabled, you’ll need to open the relevant Messages conversation and tap “Accept” to receive funds. You have a 7-day window to accept a payment sent this way. Changing your acceptance method will apply across all your Apple devices.

Setting up Apple Cash to Accept Initial Payments

If you receive money in Messages but haven’t set up Apple Cash, you’ll see an “Accept” option in the message. Tapping “Accept” will guide you through the Apple Cash setup process. You also have 7 days to complete this and accept the payment.

Rejecting an Apple Cash Payment in Wallet

If you need to decline a payment, you can easily reject it.

1. Open the Wallet app on your iPhone, tap your Apple Cash card, and find the payment in “Latest Transactions”.
2. Tap the payment, tap it again to view details, and then tap “Reject Payment”.

If you don’t see the “Reject Payment” option, it’s likely the payment has already been accepted.

Requesting Payments via Messages

Need to request money from someone? Apple Cash allows you to send payment requests directly through Messages.

Steps on your iPhone:

1. Open a conversation in Messages or start a new one.

2. Tap the plus (+) icon, select Apple Cash, enter the requested amount, and tap “Request”.

   Image of iPhone requesting money in the Messages app

   Alt text: Requesting money using Apple Cash in Messages on iPhone, showing amount entry and request button.

3. Tap the “Send” button to send the payment request.

Steps on your Apple Watch:

1. Open the Messages app and select a conversation.
2. Tap the plus (+) icon, then tap Apple Cash.
3. Enter the amount, then swipe left on the “Send” button to reveal the “Request” button.
4. Tap “Request” to send your payment request.

Responding to Payment Requests

When you receive a payment request, responding is simple.

Steps on your iPhone:

1. Open the payment request in Messages and tap “Pay” on the message.
2. Review the amount, and tap “Send” to proceed. You can also adjust the amount before sending.
3. Double-click the side button and authenticate with Face ID, Touch ID, or your passcode to complete the payment.

To decline a request, simply ignore the message.

Steps on your Apple Watch:

1. Open the request in Messages and tap “Pay”.
2. Review the amount and tap “Send”.
3. Adjust the amount using the Digital Crown if needed, then tap “Send”.
4. Double-click the side button to confirm and send your payment.

Cancelling a Sent Payment

If you’ve sent a payment and need to cancel it, you can do so if the transaction is still pending.

Check your Apple Cash transaction history. Pending person-to-person payments will show a “pending” status. You can then cancel the payment before it’s accepted.

Remember, Apple Cash person-to-person payments are private transactions. Only send and receive money with people you trust.

Key Considerations for Using Apple Cash

* Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider for Apple Cash accounts. Apple Inc. and Apple Payments Services LLC are not banks. For full terms and conditions, refer to the Terms and Conditions. Apple Cash is exclusively available in the U.S. on compatible devices. Users must be 18 years or older and U.S. residents to send and receive money with an Apple Cash account. For users under 18, a family organizer can set up Apple Cash as part of an Apple Cash Family account, but access to certain features requiring a supported payment card may be restricted. Security checks might extend the time for funds to become available. Apple Cash Family accounts and Tap to Cash transactions are limited to sending or receiving up to $2000 within a rolling seven-day period. Additional limits apply; see Terms and Conditions for complete details. Access to all Apple Cash features requires an eligible device with Wallet running the latest iOS version.

Apple Pay is a service of Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Cards used with Apple Pay are issued by card issuers.