Send Money Effortlessly with Apple Pay: A Comprehensive Guide

Sending and receiving money has never been easier, thanks to Apple Pay and Apple Cash. Whether you’re splitting a bill with friends, sending a gift to family, or paying someone back, Apple Pay offers a seamless and secure way to transfer funds directly from your iPhone, Apple Watch, or other Apple devices. This guide will walk you through everything you need to know about sending money with Apple Pay, ensuring you can take full advantage of this convenient feature.

Sending Money via Messages App with Apple Cash

One of the quickest ways to Send Money With Apple Pay is directly through the Messages app. This method leverages Apple Cash, Apple’s digital cash service, to facilitate peer-to-peer payments within your conversations.

Using Your iPhone:

1. Open Messages: Launch the Messages app on your iPhone and either select an existing conversation or start a new one with the recipient.
2. Access Apple Cash: Tap the plus (+) icon located to the left of the message input field. Then, choose the Apple Cash icon.
3. Enter Amount: Input the exact amount of money you wish to send to the recipient. Tap “Send” after entering the amount.
4. Add a Comment (Optional): You have the option to add a brief comment or note that will be visible in the transaction history for both you and the receiver, making it easy to remember what the payment was for.
5. Review and Send: Tap the “Send” button (upward arrow) to review your payment details.
   Image of iPhone sending money in the Messages app
6. Choose Payment Method (If Needed): By default, Apple Cash uses your Apple Cash balance. To use a debit card instead, tap “Change Payment Method.”
   • Toggle the Apple Cash slider off to disable using your Apple Cash balance.
   • Select your preferred debit card from the available options.
7. Insufficient Apple Cash Balance: If your Apple Cash balance doesn’t cover the full amount, you can seamlessly use a debit card to cover the remaining balance. Apple Pay will clearly display the amounts to be deducted from each payment method.
8. Confirm Payment: Double-click the side button on your iPhone to initiate the payment. Authenticate using Face ID, Touch ID, or your passcode to securely complete the transaction.

If you haven’t yet added a debit card to your Wallet app, you’ll need to do so before sending money directly from a debit card.

Using Your Apple Watch:

1. Open Messages: Open the Messages app on your Apple Watch and navigate to an existing conversation.

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

   alt="Plus icon in Apple Watch Messages app, used to access Apple Cash and other features."

3. Adjust Amount: To modify the preset amount, tap the minus (-) or plus (+) signs. You can also utilize the Digital Crown for more precise amount adjustments.
   Image of Apple Watch sending money in the Messages app.

4. Review and Send: Tap “Send,” carefully review the payment details, and then tap again to confirm and send. You also have the option to cancel at this stage if needed.

5. Confirm Payment: Double-click the side button on your Apple Watch to finalize the money transfer.

Sending Money Through the Wallet App with Apple Cash

Alternatively, you can initiate money transfers directly from the Wallet app on your iPhone, providing another convenient method to send money with Apple Pay.

1. Open Wallet App: On your iPhone, open the Wallet application. Tap on your Apple Cash card to access its details.
2. Send or Request: Tap either “Send” or “Request,” depending on whether you are sending money or requesting payment from someone. Then, select a recipient from your contacts or add a new contact to send money to.
   Image of iPhone sending money in the Wallet app
3. Enter Amount: Tap “Next,” and then enter the specific amount of money you intend to send.
4. Review and Send: Tap “Send,” followed by tapping the “Send” button to proceed with the payment.
5. Confirm Payment: Double-click the side button to authorize the transaction using Face ID, Touch ID, or your passcode.

Utilizing Tap to Cash for In-Person Transfers

For situations where you are physically near the person you want to pay, Apple Pay offers “Tap to Cash.” This feature allows for contactless, in-person money transfers without needing to exchange phone numbers or email addresses.

Image of the top of two iPhones next to each other

Learn how to send and receive Apple Cash with someone nearby for detailed instructions on using Tap to Cash.

Setting Up Recurring Payments in Wallet

Apple Pay also facilitates setting up recurring Apple Cash payments for regular transfers, such as allowances or rent. You can schedule weekly, biweekly, or monthly payments directly within the Wallet app.

1. Open Wallet and Apple Cash Card: Open the Wallet app on your iPhone and tap on your Apple Cash card.
2. Access Recurring Payments: Tap the “More” button (three dots), select “Recurring Payments,” and then tap “New Recurring Payment.”
   Image of iPhone showing the More menu with Recurring Payments selected
3. Configure Payment Schedule: Add the recipient, and follow the on-screen prompts to specify the payment amount, start date, and frequency (weekly, biweekly, or monthly). You can also add a memo for easy identification of the recurring payment purpose.
4. Review and Send: Tap “Send,” then tap the “Send” button to review the recurring payment setup.
5. Confirm Payment: Double-click the side button and authenticate with Face ID, Touch ID, or passcode to confirm the recurring payment schedule.

Managing Recurring Payments

You can easily edit, cancel, or pause any scheduled recurring payment:

1. Access Recurring Payments Settings: Open the Wallet app, tap your Apple Cash card, and tap the “More” button.

2. Manage Payments: Tap “Recurring Payments,” select the specific recurring payment you want to manage, and then choose to “Cancel,” “Pause,” or “Edit” to modify payment details.

   alt="Gray 'More' icon in iOS, typically represented by three dots, used to access additional options and settings."

Accepting Payments in Wallet

When someone sends you money via Apple Cash, the funds are securely deposited into your Apple Cash balance within the Wallet app. You can then use these funds to make purchases with Apple Pay, send money to others, or transfer the balance to your bank account or an eligible debit card.

Identity Verification

For enhanced security and to ensure FDIC insurance eligibility for your Apple Cash account, you may be required to verify your identity when accepting payments or at other times.

Managing Payment Acceptance Preferences

You can choose to accept payments automatically or manually:

1. Access Card Details: Open the Wallet app, tap your Apple Cash card, tap the “More” button, and then select “Card Details.”
2. Choose Acceptance Mode: Tap either “Manually Accept Payments” or “Automatically Accept Payments” to set your preference.

When “Manually Accept Payments” is enabled, you will need to manually accept each payment. To do so, open the relevant Messages conversation, tap “Accept,” and follow the on-screen instructions. You have a 7-day window to accept a payment sent to you manually.

Changing your payment acceptance method will apply across all your Apple devices.

Setting Up Apple Cash After Receiving Payment

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

Rejecting Payments in Wallet

If you wish to reject a payment sent to you, you can do so through the Wallet app:

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

If you don’t see the “Reject Payment” option, it indicates that you have already accepted the payment.

Requesting Payments via Messages

You can also initiate payment requests using Apple Cash through the Messages app. This is useful for reminding someone to pay you back or for requesting money for a shared expense.

Requesting Payment on iPhone:

1. Open Messages: Open a conversation or start a new message in the Messages app.
2. Access Apple Cash Request: Tap the plus (+) icon, select Apple Cash, enter the amount you are requesting, and then tap “Request.”
   Image of iPhone requesting money in the Messages app
3. Send Request: Tap the “Send” button to send your payment request to the recipient.

Requesting Payment on Apple Watch:

1. Open Messages: Open the Messages app on your Apple Watch and choose a conversation.
2. Access Apple Cash Request: Tap the plus (+) icon, then tap Apple Cash.
3. Enter Amount and Request: Enter the desired amount. Swipe left on the “Send” button to reveal the “Request” button, and then tap “Request.”

Responding to Payment Requests

When you receive a payment request, you can easily respond and send money:

Responding on iPhone:

1. Open Request: Open the payment request message in the Messages app and tap “Pay” within the message.
2. Review and Send: Review the payment amount. Tap the “Send” button to proceed. You can also modify the amount if needed before tapping “Send.”
3. Confirm Payment: Double-click the side button to pay and authenticate with Face ID, Touch ID, or passcode.

To decline a payment request, simply ignore the message.

Responding on Apple Watch:

1. Open Request: Open the payment request in Messages and tap “Pay.”
2. Review and Send: Review the amount. Tap “Send” to continue. Adjust the amount using the Digital Crown if necessary, and then tap “Send.”
3. Confirm Payment: Double-click the side button to confirm and send the payment.

Canceling a Sent Payment

If you’ve sent a payment and need to cancel it, you may be able to do so if the recipient hasn’t yet accepted it.

Check your Apple Cash transaction history. Person-to-person payments will be listed with the recipient’s name, phone number, or email address. If the transaction status is “pending,” you can still cancel the payment.

Remember that Apple Cash person-to-person payments are intended for transactions between people you know and trust, similar to any private transaction.

Important Considerations

* Apple Cash services are facilitated by Green Dot Bank, Member FDIC. Apple Payments Services LLC, an Apple Inc. subsidiary, acts as a service provider for Green Dot Bank in relation to Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. For more details, refer to the Terms and Conditions. Apple Cash is exclusively available in the U.S. on eligible devices. To send and receive money via Apple Cash, users must be 18 years of age and U.S. residents. For users under 18, a family organizer can set up Apple Cash as part of an Apple Cash Family account, although certain features requiring a supported payment card may be restricted. Security checks may require additional processing time for funds to become available. Apple Cash Family accounts and Tap to Cash transactions are subject to a sending and receiving limit of $2000 within a rolling seven-day period. Additional limits apply; consult the Terms and Conditions for comprehensive details. Access to and utilization of all Apple Cash features necessitate an eligible device with Wallet running the latest iOS version.

Apple Pay is a service provided by Apple Payments Services LLC, an Apple Inc. subsidiary. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Cards used within Apple Pay are offered by the respective card issuers.

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