For those who frequently use Siri, you can use that to send or request payments quickly and hands-free. Just say “Siri, send contact name five dollars” and it will confirm your payment before it is sent. To send money to friends and family, you can do so through the Messages app. To pay a merchant with Apple Pay, simply double-tap the Side button on your iPhone near any Apple Pay reader device. You can select the card you want to pay with and it will move to the top. Once you’ve added a payment method or two, you are ready to start paying merchants.
Tapping on “Additional Card Numbers” under that information will also give you your card’s PIN and the last four digits to identify Apple Pay transactions. Once the iMessage app for Apple Cash launches, type in how much money you’d like to send, tap the “Send” button underneath the amount, and then confirm with Face or Touch ID. Currently, Apple Cash is only usable via Apple Wallet and Apple Pay. Unlike other services, like Venmo, there is no physical card option to use at stores that don’t accept Apple Pay. If you’d like to deposit the money you receive from a friend or family member, cryptocurrency crime losses more than double to $4 5 billion in 2019 report finds you can connect the card to your bank.
If you haven’t set up Apple Cash
You can input the price you want to send or request, and just send it like a normal message. If there is an issue, you will be notified and the payment or request will be canceled, so there is nothing to worry about on your end. However, in order to get this option, you will need to do one more thing—set up Apple Cash.
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You can use Apple Cash to send and receive payments through Wallet or Apple Messages. Once you have added a bank account, and everything is verified, you can select Transfer to Bank at the top of the Apple Cash settings. Enter the amount you want to transfer and hit Next to submit the transfer.
Benefits of Sending Money Via Apple Pay
- The iPhone 15 Pro and Pro Max both had 8GB of RAM compared to the 6GB in their non-Pro variants, while the full iPhone 16 lineup has 8GB.
- Thankfully, you can still send money via Apple Pay even if you don’t have an Apple Cash balance.
- You’ll need to use Face ID, Touch ID, or passcode to approve your payment.
Any money you receive this way will appear on your Apple Cash card in your digital Apple Wallet. You can then spend this money online, in high street stores and in other applications and websites using Apple Pay. Once you set up your Apple Wallet, you can easily make payments to others over iMessage, as long as they also use iMessage and are in the US. Sending money to friends or requesting money can now be done within text conversations. If you get money sent to you, withdrawing it to your bank account can make it easy to spend your funds outside of Apple Pay.
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To choose how to send money through Apple Pay, you must have the Apple Wallet app installed, and have a linked payment method. Before you can start sending money, you’ll need to set up Apple Pay Cash on your device. Open your Wallet app and tap the plus sign to add your debit card. This creates your Apple Pay Cash card, which works like a digital wallet where you can store and receive money. Apple Pay is a payment service provided by Apple through applications on various Apple devices.
Tap here to add your bank account by entering your routing and account number. Now that you’re all set up, you can start sending and receiving money. There are no more settings you will need to implement and everything should be working from here on out. You also have the option to apply for the Apple Card in the app. The Apple Card is a credit card with a variable interest rate issued by Goldman Sachs.
When you make a payment or send money you can choose the card you want to use as the source of funds. Open the Messages app on your iPhone and go to the conversation with the person you want to send money to. Apple Cash is a simple and secure payment method that is already included in the iPhone Wallet ledger live app. If you don’t use an Apple Cash card now, do yourself a favor and check it out to utilize all the features that are collecting dust on your device.
Similar to Venmo, the apps let you link your credit or debit card so you can send money. You can also use Apple Pay to pay for things in stores and online. As explained earlier in this article Apple Cash balance is used to send money by default but you can change the payment method after you have added a debit card to your Wallet. Apple will show you the current debit cards available when you confirm the amount you are sending. Apple also allows you to not use your Apple Cash balance by default by turning it off under the Payment Method.
You can easily add money to your Apple Cash card once you have added a debit card to your Apple Wallet application. Any money you receive via Messages from friends and family is automatically added to your Apple Cash balance in your Wallet. It is worth mentioning that if you are under 18, money can only be added to your Apple Cash card when someone sends it to you.
This guide will show you how to use Apple Pay if you haven’t before. If you aren’t sure whether a store supports it, you can look for a tap-to-pay logo (radiating waves with a hand tapping a card onto it) or the Apple Pay icon. You can also ask Siri to show you nearby locations that accept the service. Remember, both you and the recipient need to be using iOS devices for this to work.
How to automatically reload your Apple Cash balance
You can send money to someone else with Apple Pay Cash either through the Apple Wallet app, or in Messages⁴. Every transaction requires authentication through Face ID, Touch ID, or your passcode. Plus, Apple doesn’t store your actual card numbers – instead, they use encrypted tokens for extra protection. Sending money through Apple Pay has become one of the most convenient ways to split bills, pay friends back, or handle quick transactions right from your iPhone. HelloTech editors choose the products and services we write about. Save time by starting your support request online and we’ll connect you to an expert.
Use Apple Cash to send and receive money with people you know. Apple Pay and Apple Cash transfers can only be made within the US. If 12 best bitcoin wallets in the uk 2021 you need to send money online to someone based overseas, a Wise account could be the ideal solution.
- Additionally, you can pull funds from your bank to reload the card if you’d like to use it as a form of payment.
- The virtual card information will be shown at the top of the card information screen, although you’ll need to authenticate with Face ID or Touch ID to get here.
- To request, send, or receive payments in Messages, both the sender and the recipient must be using iMessage.
- You must also be 18 years of age, and Apple says you must “live in the United States,” although expatriates shouldn’t have a problem setting it up as long as they have a valid U.S. address.
If you’d like to withdraw, tap the circle with the three dots in the upper right-hand corner. Please note, you won’t be able to set up Apple Pay on your watch at the moment, so you’ll need to do those steps on your iPhone or iPad. In the Wallet app, you’ll see a black card that just says Cash. We all know there are a lot of preinstalled apps that we never use, but this one is actually handy and can make payments easy. If you haven’t sent a payment this way before, it can seem confusing. However, once you set it up, future payments and payment requests are easy.
Once you set it up, you’ll authenticate yourself like usual, and the payments will begin. When you view your card, any money you send with Apple Cash will appear in the “Latest Transactions” section. You can filter your transactions by Daily Cash (if you have an Apple Card), sent or received, Tap to Cash transactions, bank transfers, or purchases. Every time you send money through Apple Cash, robust security technology works behind the scenes to protect your data, transactions, and identity. In the row of apps above your keyboard, tap the Apple Cash icon (it looks like a white credit card on a green background). If you haven’t added a debit card to the Wallet app, you need to add one to send money.