To use Apple Pay to send money in a casual and convenient way, start by opening the Wallet app on your iPhone. Tap on the “+” button to add your bank card or credit card details to Apple Pay if you haven’t already. Next, ensure that both you and the person you want to send money to have turned on iMessage. Now, open your Messages app and find the conversation with the person you want to send money to. Within this conversation, tap on the Apple Pay icon (a small blue heart), which will open up a new interface where you can enter the amount of money you wish to send. After confirming the payment, simply authenticate your transaction using Face ID or Touch ID. The recipient will receive a message indicating they have received money in their iMessage chat history as well as in their Wallet app.
What is the difference between Apple cash and Apple Pay?
Apple Cash is a peer-to-peer payment service that allows users in the United States to send and receive money directly from their iPhone, iPad, or Apple Watch. It is essentially a digital wallet within the Apple Pay ecosystem that enables users to store money and make person-to-person payments. With Apple Cash, you can send money to friends and family, receive funds, and even make purchases at participating merchants.
Apple Pay, on the other hand, is a mobile payment and digital wallet service available in various countries around the world. It allows users to make secure, contactless payments using their Apple devices such as iPhone, iPad, Apple Watch, and Mac. Apple Pay securely stores your credit or debit card information and allows you to make purchases at physical stores, within apps, and on websites that accept Apple Pay. It uses near-field communication (NFC) technology for in-store transactions and can also be used for online and in-app purchases.
Apple Cash is primarily focused on person-to-person payments within the United States, while Apple Pay is a broader payment service that encompasses both in-store and online transactions, supporting a wider range of merchants and locations globally.
How to send money through Apple Pay
Sending money through Apple Pay is as easy as pie! To begin, open the Wallet app on your iPhone and tap the Apple Pay Cash card. If you don’t have this option yet, no worries – just go to Settings, select Wallet & Apple Pay, and toggle on the Apple Pay Cash feature. Once you’re all set up, you can either receive funds from friends or send money yourself.
Simply enter the amount you wish to send and choose whether you want to use your Apple Pay Cash balance or a debit/credit card linked to your account. Confirm the payment with Touch ID or Face ID, and voila! Your friend will instantly receive the money via iMessage. Plus, if they happen to use an Android device, they can still collect their cash by following a few simple steps. So next times you need to split a bill or lend a hand to a buddy in need, remember that sending money through Apple Pay is quick, convenient, and secure!
Q: How secure is sending money through Apple Pay?
A: Send money through Apple Pay is considered secure. Apple Pay utilizes several security features, including device-level security such as Face ID, Touch ID, or passcode authentication. It also employs tokenization, which replaces your actual card details with a unique token, ensuring your sensitive information is not shared during the transaction.
Q: Can I send money through Apple Pay internationally?
A: Apple Pay’s person-to-person payment feature is currently available in limited countries. The availability of international payments may vary depending on your region and the recipient’s location. It’s recommended to check Apple’s official website or contact Apple Support for the most up-to-date information on international money transfers.
Q: Are there any fees for sending money through Apple Pay?
A: Apple does not charge any fees for using Apple Pay to send money. However, depending on your financial institution and the type of transaction, there may be associated fees. It’s best to check with your bank or card issuer to understand any potential charges.
Q: Can I cancel a payment made through Apple Pay?
A: Once a payment is sent through Apple Pay, it cannot be canceled. It’s essential to double-check the payment details, including the recipient’s information and the payment amount, before confirming the transaction.
Q: What if the recipient doesn’t have Apple Pay?
A: If the recipient doesn’t have Apple Pay, they will receive a payment request via the Messages app. They can follow the instructions in the message to set up Apple Pay and receive the payment. If they are unable to set up Apple Pay, they may not be able to receive the funds.
Q: Can I send money to someone using a different platform or payment service?
A: Apple Pay’s person-to-person payment feature is primarily designed to send money between Apple Pay users. If you need to send money to someone using a different platform or payment service, you may need to explore alternative options such as third-party payment apps or bank transfers.
Q: Is there a transaction limit for sending money through Apple Pay?
A: The transaction limits for sending money through Apple Pay may vary depending on your financial institution and region. Some banks may have specific daily or monthly limits for person-to-person payments. It’s recommended to check with your bank or card issuer for any applicable transaction limits.