To send money on Apple Pay, you can use the Apple Cash feature. Apple Cash allows you to send, receive, and request money directly from your iPhone, iPad, Apple Watch, or Mac. Here's how to send money on Apple Pay:


Set up Apple Cash:

·        Open the Wallet app on your iPhone or open the Settings app and select Wallet & Apple Pay.

·        Tap on "Apple Cash" and follow the prompts to set up Apple Cash if you haven't done so already. You'll need to link a valid debit card.


Add money to your Apple Cash account:

·        To send money, you need to have funds available in your Apple Cash account. You can add money by linking a debit card or receiving money from others through Apple Cash.


Sending money:

·        Open the Messages app on your iPhone or iPad.

·        Start a new conversation or select an existing conversation with the person you want to send money to.

·        Tap on the App Store icon next to the text input field.

·        In the app drawer at the bottom, locate and tap on the Apple Pay icon (a black and white Apple logo).

·        Enter the amount you want to send.

·        Tap "Pay" and review the payment details.

·        Authenticate the payment using Face ID, Touch ID, or your device passcode.

·        Once the payment is sent, you'll see a confirmation message in the conversation thread.


Receiving money:

·        When someone sends you money through Apple Pay, you'll receive a message in the Messages app with the payment details.

·        To accept the payment, tap on the message and then tap "Accept" or "Add" if it's your first time receiving money. The funds will be added to your Apple Cash account.


Cash out:

·        If you want to transfer money from Apple Cash to your bank account, you can use the "Cash Out" feature.

·        Open the Wallet app on your iPhone.

·        Tap on your Apple Cash card.

·        Tap "..." (more options) and then select "Transfer to Bank."

·        Enter the amount you want to transfer and tap "Next."

·        Choose the bank account you want to transfer the funds to or tap "Add a New Bank Account" to link a new one.

·        Follow the prompts to complete the transfer.

Please note that Apple Cash availability and features may vary depending on your region and the device you're using. Make sure you have the latest version of iOS or macOS installed on your device to access the full functionality of Apple Cash.


How to send money on Apple Pay

Sending money on Apple Pay is a relatively simple and secure process. To initiate a transaction, users need to open the Apple Wallet app on their iPhone or iPad and click on the "+" button found at the upper right corner of the screen. From there, they can select the option to send money to another individual.

Users must then choose between using Apple Pay Cash or an eligible debit card connected to their device. Next, they enter the desired amount of money and confirm the payment by either typing in a security passcode or using Touch ID or Face ID biometric authentication – depending on device capabilities. Finally, users can review their payment details one last time before tapping on "send." It is worth noting that both parties involved must have compatible devices and be signed in with their Apple accounts for this feature to work seamlessly. Additionally, it is advisable to confirm with the recipient whether they are comfortable sharing their email address or phone number associated with their Apple account before initiating any transactions.


Can I use Apple Pay to send money without having an account?

You cannot send money through Apple Pay without an account. Apple Pay is a digital wallet service provided by Apple Inc. that allows users to make purchases, send and receive money, and store various types of payment cards on their mobile devices. To use Apple Pay for sending or receiving money, you are required to have a compatible device (such as an iPhone or iPad), sign in with your Apple ID, and add a valid debit or credit card to the Wallet app.

Additionally, you may need to set up two-factor authentication for security purposes. Once these requirements are met, you can easily send money through Apple Pay by accessing the Messages app or using Siri commands such as "Send $20 to John using Apple Pay." It is important to note that both the sender and receiver need to have eligible devices and be signed into their respective accounts for successful money transfers.



Q: Can I send money to non-Apple Pay users?

No, Apple Cash is currently limited to transactions between Apple Pay users. If the recipient doesn't have Apple Pay or Apple Cash set up, they won't be able to receive the money.


Q: Are there any fees for sending money with Apple Pay?

Sending money with Apple Pay using Apple Cash is generally free. However, there may be some exceptions, such as when using a credit card for funding, which could incur a small fee.


Q: How long does it take for the recipient to receive the money?

A6: In most cases, the recipient should receive the money instantly. However, there could be delays depending on factors such as network connectivity or if the recipient needs to verify their identity.


Q: Can I transfer the money in my Apple Cash account to my bank account?

A7: Yes, you can transfer the funds from your Apple Cash account to your linked bank account using the "Cash Out" feature. This allows you to access the money in your bank account.