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How to Use Apple Pay Cash

Tips & How-To

How to Use Apple Pay Cash

Send and receive money within iMessage on your iPhone, iPad, or Apple Watch.

Do you want to send someone money using your smartphone? Those of you who use Apple Pay on your iPhone, iPad, or Apple Watch may want to check out Apple Pay Cash.

If you don't have Apple Pay, here's how to set it up. It lets you use your phone to pay for things at physical stores like Sephora and Panera Bread, we well as within certain apps. Apple Pay Cash, however, lets you send money to someone else as easily as you might send them a text message.

Apple Pay Cash, which rolled out with iOS 11.2 and watchOS 4.2, can be linked to a credit or debit card. A debit card is the better option since a credit card transaction socks you with a 3 percent fee. Note that you can add more than one card to Apple Pay, so you can set up a credit card for regular transactions and a debit card for Apple Pay Cash.

On the other end, your recipient must also use an iOS device (sorry Android users). They'll receive an Apple Pay Cash virtual cash card, which can be used to purchase items via Apple Pay or transferred to a bank account.

To send and receive money using Apple Pay Cash, you must be at least 18 years old and live in the US. Your iPhone or iPad must be compatible with Apple Pay and you must enable two-factor authentication (2FA) for your Apple account. Let's get started.

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  • 1Open an iMessage

    You can send money through Apple Pay Cash using iMessage or by talking to Siri. To send via Messages, open the app and start a new conversation or open an existing one to the person who will receive the cash. You can send someone money without typing an actual text. But you may want to remind the person why you're sending money; if so, type a message in the text field. Then tap on the app icon on the left and tap the Apple Pay icon.

  • 2Choose Amount

    Tap on the plus or minus key until you see the amount you wish to send. To enter a specific amount instead, tap on the Show Keypad button and then type the amount. At the keypad, you can tap on the Pay button to initiate the payment. Or you can tap on the down arrow to close the keypad screen and return to your message and then tap on Pay.

  • 3Agree to Terms and Conditions

    At the next screen, tap on Continue. Tap on Agree to agree to the terms and conditions. The next screen tells you that it's setting up Apple Pay Cash.

  • 4Confirm Payment

    You're prompted to add a debit card if you don't have one set up to avoid incurring the bank fees charged with a credit card. Add your debit card if necessary. Then return to your text message. Tap Pay. Tap on the Send button in the message to send the payment. Use Face ID, Touch ID, or a passcode to confirm the payment.

  • 5Troubleshooting

    What if the Apple Pay Cash payment won't go through? In my case, the feature didn't initially work on my iPhone X. Here's what I did to fix it, with help from Apple tech support. First, I turned off Apple Pay Cash and then turned it on to set it up again. To do this, go to Settings > Wallet & Apple Pay. Turn off the option for Apple Pay Cash. Turn it back on. You're asked to type your Apple ID password. Apple Pay Cash then takes you through the setup process once more.

  • 6Verify Your Identity

    Still not working? Then you may need to verify your identity. To do this, go back to Settings > Wallet & Apple Pay. Under Cards, tap on the entry for Apple Pay Cash. Tap on the link to Verify Identity. At the first screen, type your first and last name. At the next screen, type your address. Next, type the last four digits of your Social Security number and enter your date of birth. After you've finished the verification process, try Apple Pay Cash again.

  • 7Start Sending Money Via iMessage

    After the initial setup, the process for sending someone money is much quicker. Open iMessage and start or resume a conversation with your recipient. Then follow the steps to choose the amount and send the money.

  • 8Get Siri Involved

    To use Siri to send someone money via Apple Pay Cash, say something along the lines of: "Hey Siri, Apple Pay 25 dollars to Stephen for dinner" or "Hey Siri, send 25 dollars to Stephen."

    By default, your Apple Pay Cash payment takes the necessary funds from your debit card. But you can also fill your Apple Pay Cash coffers with more cash through your linked debit card. Tap on Settings > Wallet & Apple Pay. Under Cards, tap on Apple Pay Cash. At the Apple Pay Cash screen, tap on the link to Add Money. At the next screen, enter the amount you wish to deposit. The minimum is $10. Tap Add. Authenticate the transfer with Face ID, Touch ID, or your passcode. You'll then see the amount listed as your Apple Pay Cash balance.

  • 9Apple Watch

    To send money via Apple Pay Cash on an Apple Watch, set up a debit card for Apple Pay for your watch if you haven't already done so. When you set up a debit card for Apple Pay on your iPhone, you should be asked if you want to use the same card on your paired watch.

    Open iMessage and start a new conversation or resume an existing one. Swipe down and tap on the icon for Apple Pay. You can choose an amount by tapping on the plus or minus button, turning the Digital Crown, or tapping on the dollar amount and then turning the Digital Crown to select a specific number. Tap on the Pay button. Double-click the side button to pay. Your payment then goes through.

  • 10Receive a Payment

    You can also request money from someone else. Open a conversation in iMessage. Tap on the App button and Apple Pay Cash if it's not already selected. Choose an amount and tap on the Request button. Add a comment to the message and tap on the button to send it. On the other end, your recipient receives the request as a text and just taps on the Pay button to pay it.

  • 11Manually Accept Payments

    By default, payments via Apple Pay Cash are automatically accepted. But you can change this to Manual mode, which means you must actively accept the payment within seven days. Return to the Apple Pay Cash card screen under Settings > Wallet & Apple Pay. Under the section for Accepting Payments, change the option to "Manually Accept Payments." At this same screen, you can also tap on the Transactions tab to see all your Apple Pay Cash transactions. At the bottom of the Transactions screen, tap on the link to Request Statement to receive an email of your transactions.

  • 12Add Your Bank Account

    What can you do with money you receive via Apple Pay Cash? You can tap into that balance to pay for something using Apple Pay or you can transfer funds to your bank account. As with using Venmo, to cash out you'll need to add your bank account and routing number. Return to the Apple Pay Cash card screen under Settings > Wallet & Apple Pay. Under the section for Balance, tap on the link to Transfer to Bank. Tap on the button to Add Bank Account. Enter your bank's routing number and your account number. Enter the amount of money you want to transfer and then tap on Transfer. Confirm the transaction via Face ID, Touch ID, or your PIN. The money typically takes one to three business days to end up in your account.

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