Apple Pay has evolved beyond just being a convenient payment method; it now allows you to send money to friends and family with ease. Whether you’re splitting a bill, sharing expenses, or sending a gift, Apple Pay’s person-to-person payment feature makes transactions hassle-free. In this article, we’ll guide you through the steps of sending money on Apple Pay, ensuring a seamless and secure money-sharing experience.
Setting Up Apple Pay
Before you can start sending money using Apple Pay, you need to ensure it’s set up on your compatible Apple device. Here’s a brief setup process:
- Device Compatibility: Confirm that your Apple device, whether it’s an iPhone, iPad, or Apple Watch, is compatible with Apple Pay.
- Add a Card: Open the Apple Wallet app on your device and tap the ‘+’ button to add your credit or debit card information. You can also add cards from your Apple ID settings.
- Verification: Depending on your bank or card issuer, you might need to complete a verification process, often involving receiving a verification code via text or email.
- Set a Default Card: In the Wallet app, select the card you want to use as your default payment method for Apple Pay.
Sending Money on Apple Pay
Once you have Apple Pay set up, here’s a step-by-step guide on how to send money to someone:
1. Open Messages App:
- Start by opening the Messages app on your Apple device.
2. Start a Conversation:
- Initiate a conversation with the person you want to send money to or select an existing chat.
3. Access Apple Pay:
- Tap the Apple Pay icon (a ‘$’ symbol) in the conversation.
4. Enter the Amount:
- Input the amount you want to send, and make sure it’s accurate.
5. Choose Payment Source:
- Select the payment source you want to use for the transaction. If you have multiple cards added to Apple Pay, you can choose from them.
6. Add a Note (Optional):
- If you’d like, you can add a message or note to the payment to provide context or a reason for the transaction.
7. Authenticate the Payment:
- Authenticate the payment using Face ID, Touch ID, or your device’s passcode.
8. Confirm and Send:
- Review the payment details to ensure they are correct. Once verified, tap “Send.”
9. Confirmation:
- You’ll receive a confirmation of the payment in the chat, indicating that the transaction was successful.
10. Receiver’s Confirmation:
- The person you sent money to will also receive a message confirming the payment.How to Send Money Through Apple Pay
Sending money through Apple Pay requires you to have the app installed first. Once you do, it’s just a few steps to link a source of money and send a payment. Each of these steps is explained in detail below.
Note that Apple Pay is only compatible with Apple devices such as Mac, iPhone, or Apple Watch.
Install Apple Wallet
Here are three easy steps to explain how to install Apple Wallet on an iPhone.
- Open the App Store
- Search ‘Apple Wallet’
- Install Apple Wallet.
Add a Payment Method
To send money through Apple Pay, you need a linked payment method. Then, when you make a payment or send money, the money is automatically taken from the card you linked.
Follow the instructions below to link a payment method on the iPhone version of Apple Wallet.
- Open the Apple Wallet app
- Tap the Add button
- Select Debit or Credit Card, depending on what kind of card you have
- Tap Continue
- Follow the instructions on-screen for adding a new card
- If you are asked to, select your bank or card issuer from the given list or use the search bar to find it
- Verify your information with your bank or card issuer.
Please note that not all cards are compatible with Apple Pay. Check support.apple.com to see if your bank or card issuer is supported by Apple Pay. If your card is not supported you will not be able to use it as a payment method.
You can have more than one card linked to your Apple Wallet. When you make a payment or send money you can choose the card you want to use as the source of funds.
Send a Payment
Once you have a linked card, you can send a payment. You can pay using Apple Pay at any merchant that displays the Apple Pay logo. The shop or seller will have a contactless point-of-sale device that is compatible.
The instructions below will guide you on how to send money through Apple Pay using an iPhone:
- Open the Apple Wallet app
- To use your default payment card:
- If your iPhone has Face ID, double-click the side button. Authenticate with Face ID
- If your iPhone has Touch ID, rest your finger on the Touch ID sensor, or
- Enter your passcode.
- To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
- Hold the top of your iPhone near the contactless reader until you see “Done” and a checkmark on the display.
How to Send Someone Money With Apple Pay
The way to send money to someone’s Apple Wallet is different than how to send money through Apple Pay to pay at a restaurant or shop, for example.
To send money to someone, you use the Apple Cash function of Apple Wallet. Apple Cash is a peer-to-peer payment service for sending money to other Apple Wallet users.
Read: Apple Pay Customer Service Number
Set Up Apple Cash
The service for sending cash between Apple Wallet users works differently than paying a merchant with a point-of-sale device. You must use Apple Wallet to add money to your Apple Cash balance, then you can use your Apple Cash balance to send to other people.
Follow the instructions below to set up Apple Cash in your Apple Wallet app on your iPhone:
- Open the Apple Wallet app
- Tap the image of an Apple Cash card, then tap the More button (…)
- Tap Add Money
- Choose an amount of money to add to your Apple Cash balance. The minimum amount is $10
- Tap Add, then choose which linked card you want to take the money from
- Confirm that the billing address shown is correct
- Confirm the authorization of the transaction using Face ID, Touch ID, or your passcode.
Send a Payment
Apple Cash is integrated with the Apple Messages app. Sending money using Apple Cash is similar to sending an instant message using the Messages app.
Follow the instructions below to send money to someone through Messages:
- Open the Messages app
- Start a new conversation with your contact or choose an existing conversation
- Tap the Apple Pay button. If you don’t see the Apple Pay button, tap the stylized A next to the message bar first
- Enter the amount of money you want to send to this contact
- Tap Pay
- Tap the send button. You can now review or cancel the payment
- Authorize and confirm your payment with Face ID, Touch ID, or your passcode.
Please note that the person you send money to must have an Apple device with Apple Wallet installed. They do not need to have a linked payment method just to receive the funds, however.
If you make a mistake you can cancel the transaction for as long as the person you sent it to has not accepted it. If they have already accepted it, you can ask them to refund the money.
How to Withdraw Money from Apple Pay
Sometimes you may need to move money from your Apple Cash balance to your bank account. You must have a compatible linked payment method to withdraw money from Apple Pay
There are two options for withdrawing money from Apple Pay. You can do an instant transfer to a linked debit card, or transfer in 1-3 business days to your bank account.
Here are the guidelines for transferring money from your Apple Cash balance to a debit card:
- Open the Apple Wallet app
- Tap the image of an Apple Cash card, then tap the More button (…)
- Tap Transfer to Bank
- Enter an amount of money to transfer then tap Next
- Choose the Instant Transfer option
- If you don’t have a linked debit card that is compatible you will need to add one first
- Tap the button labeled > to choose the card you want to transfer funds to
- Confirm the billing information for your chosen debit card.
After you confirm the transaction, your funds should be available on your debit card within 30 minutes.
Here are the guidelines for transferring money from your Apple Cash balance to your bank account:
- Open the Apple Wallet app
- Tap the image of an Apple Cash card, then tap the More button (…)
- Tap Transfer to Bank
- Enter an amount of money to transfer then tap Next
- Choose the 1-3 Business Days option. If you don’t have a bank account linked to your Apple Wallet app, follow the on-screen instructions to add one
- Confirm the transaction with Face ID, Touch ID, or your passcode.
After you confirm the transaction, it will take up to 3 business days for the funds to be available in your bank account.
Conclusion
Sending money on Apple Pay is a straightforward process that enables you to split bills, reimburse friends, or send gifts quickly and securely. Whether you’re settling a restaurant tab, sharing travel expenses, or sending a birthday surprise, Apple Pay’s person-to-person payment feature simplifies the process. Keep in mind that both you and the recipient need to have Apple Pay set up on your devices to use this convenient money-sharing feature. With Apple Pay, managing finances and sending money to loved ones is more convenient than ever.