How To Set Up Apple Pay To Accept Money

Updated 04/12/22: Updated this guide with the well-nigh contempo information about Apple Greenbacks.

When iOS 11 landed in 2022, it came with Apple'south first major foray into fiscal transactions: Apple tree Cash. Similar to Venmo or Cash App, Apple Cash lets y'all instantly send money to some other iOS user. You don't even demand a new app, as information technology'due south congenital right into iMessage. Apple Cash was released as function of iOS 11.2.

Information technology's an incredibly easy style to ship person-to-person money, simply it does have a few caveats you'll demand to be aware of. Here'due south what you demand to know about setting up and using it.

Apple Cash requirements

For starters, both the coin sender and receiver demand to be running iOS eleven.2 or later. Co-ordinate to Apple's support page, you'll need to meet the following requirements:

A uniform device with iOS eleven.ii or later.
Ii-factor hallmark for your Apple tree ID.
An eligible debit or prepaid card in Wallet, so you can send coin.
Be at least 18 years old.

We take a guide that volition tell you everything you need to know nigh setting up Apple Pay. Once it's all set up, yous'll be able to send money to friends right within Letters on your iPhone, iPad, or Apple Watch.

How to fix up Apple Cash

Before you tin send or receive coin, y'all'll need to ready the Apple Greenbacks card. Information technology's essentially a special prepaid card with some financial services provided to Apple tree by Green Dot Banking company.

Offset, you lot may need to head into the Settings carte du jour and make sure Apple Cash is enabled. Go to Settings > Wallet & Apple Pay and look for the Apple tree Cash toggle at the acme of the screen.

apple pay cash toggle — If you don't come across an Apple tree Pay Cash card in Wallet, make sure it's enabled in Settings.

Then, head into the Wallet app, tap on the Apple Greenbacks card, then tap on Set Apple Cash. Yous'll have to concord to some terms and conditions, simply that's information technology.

apple pay cash setup — Setting up Apple Cash is a breeze. Just hop into Wallet and tap on the carte to get started.

This process will trigger automatically if someone sends you money earlier you get a take a chance to set it upwards.

How to send money with Apple Cash on iPhone or iPad

Sending money with Apple Cash is incredibly simple. Information technology'southward just an iMessage app.

one. Launch Letters and then start a new bulletin, or open an existing one.

2. Tap the Apps button and and so the Apple Pay button.

three. Press the + or – buttons to accommodate the amount, or tapEvidence Keypad to enter an exact amount.

4. Tap Pay. If you want to add a message here, you tin.

five. Tap the send button. You'll get a summary screen that you'll need to approve with either Impact ID or Face ID.

That'southward all in that location is to information technology. The money will be sent immediately, and will exist bachelor on the recipient's Apple tree Greenbacks card.

Using Apple Cash with your Apple Sentinel

This is only equally like shooting fish in a barrel as information technology is on your iPhone.

ane. Open Letters on your Apple Scout and either start a new message or open an existing one.

2. Ringlet down past the message and tap on the Apple tree Pay button.

3. Plow the digital grown to adjust the dollar amount. If yous need to exist more verbal, tap the dollar amount to show the decimal places, and so tap the value subsequently the decimal and rotate the digital crown to accommodate.

4. Tap Pay. You'll be prompted to double-click the side button to confirm.

How to ask for money

Y'all can ask your friend to send yous money, besides. When they get the asking, they can tap it, and the payment corporeality volition be filled out automatically (they can adjust it if they want).

But open up Messages, go to a conversation, and tap the Apple Pay iMessage app like yous would when sending money. Enter the amount, and instead of borerPay tap theAsking push button.

On Apple Watch, tap the Pay button at the bottom of a conversation, set the amount, and then swipe the large "Pay" button to the left to turn information technology into a "Asking" push.

You can as well use Siri with a phrase like, "Inquire Jason for $xv for tacos."

How to cancel payment

If yous sent money to someone and they haven't however accepted it, you can cancel payment.

i. Go to Messages and tap on the payment, or find the payment in the Transaction History of your Apple tree Cash carte in the Wallet app or Settings.

2. Tap the transaction and look for the status field. TapCancel Payment. If yous don't see that option, they've already accepted the payment.

Information technology may take up to a day for the payment to evidence up back on your account.

After the first transaction, well-nigh users will take Apple Greenbacks set to automatically accept payments (that's the default), so y'all probably won't take much opportunity to cancel. You lot could ever try request them to pay you back…

Using Siri

You tin use Siri to both send and request coin. Try saying "Send Jane $14 for tacos" or "Apple Pay Greg $12 for tacos." Or to request coin, perhaps, "Enquire Glenda for $18 for tacos."

Peradventure you should cut back on the tacos.

Near that Apple Cash card…

When you receive coin, it goes onto your Apple Cash carte. That money is and so used by default whenever yous send anyone else money with Apple Cash. If you don't have enough in at that place, you tin can pay the balance with a debit or prepaid card.

Y'all can also apply coin on your Apple Greenbacks carte to pay for things using Apple Pay. Apps and in-app purchases, retail, online…it'south but some other source of coin to utilise within Apple Pay. Just tap on your payment card whenever an Apple Pay summary pops up on screen for you to confirm, or if yous're buying something at retail, switch to the Apple Cash card before tapping to the terminal.

The maximum residuum you lot can accept on the card is $twenty,000. You can only ship or receive upward to $3,000 per message, and $10,000 within a 7-twenty-four hour period menses.

How to add money to your Apple Pay Cash card or transfer it to your bank business relationship

You lot can add money to your Apple Cash carte, although y'all will automatically add any missing balance from a debit or prepaid carte du jour when paying someone. Just open the Apple Cash card in the Wallet app or the Wallet & Apple Pay settings menu. Then tap on the Info tab. Then tap Add together Coin. Enter the amount you'd like to add, tapAdd, and confirm.

Taking moneyoff your Apple tree Cash card is only a piddling more complicated. You'll need to add a bank account.

1. In the Apple Cash card info (in Settings or the Wallet app), go to the Info tab. Yous'll find information technology by tapping the (…) push in the upper right of the bill of fare in the Wallet app.

2. TapTransfer to Bank.

three. The beginning time you lot do this, yous'll accept to tap Add Bank Business relationship and enter your bank's routing number and your account number.

4. Enter an amount, tapTransfer, then confirm with Bear on ID or Face ID.

apple pay cash transfer — If you want to transfer coin from your Apple Pay Cash virtual bill of fare to your depository financial institution, you'll need to enter an account number.

A bank transfer can take from one to 3 business days (excluding holidays). Yous have to transfer at least $1 (though you tin transfer your unabridged balance if you have less), you can't transfer more than $3,000 at a time, and you can't transfer more than $20,000 in a seven-day period.

Is Apple Cash free?

Yes, Apple Greenbacks is free. There used to be a 3% fee when adding coin to it via credit carte du jour, simply Apple stopped allowing credit cards to exist used for this purpose dorsum in 2022.

What is Apple Cash Family unit?

If you have Family Sharing prepare, yous tin gear up Apple Greenbacks cards for your child accounts. They can use information technology to make purchases with Apple Pay and you can exist notified when they practise, yous tin can limit who they send money to, and lock their account if necessary.

To go started, open the Settings app, tap on your Apple ID, and and then Family Sharing. Select Apple tree Greenbacks from the list of sharable features.

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