How to Set Up Apple Pay Cash
Apple Pay Cash is one of the best and simplest ways for Apple users to send and receive peer-to-peer payments on their devices. Whether you want to send or receive money via iMessage or Siri, on your iPhone or Mac, Apple Pay Cash is the way to do it. To set up Apple Pay Cash to send or receive money, follow these steps:
How to Send Apple Pay Cash Using iMessage
Once you’ve set up Apple Pay Cash, there are a few ways to send money to people. Maybe the most common way is by using the pre-installed iMessage app on iOS and watchOS devices. Here’s what to do:
How to Send Apple Pay Cash Using Siri
Siri can also help you send money using Apple Pay Cash. Just activate Siri and say something like “Send $50 to Joe” or “Apple Pay $50 to Joe for dinner” and follow the prompts.
How to Request Money with Apple Pay Cash
If someone owes you money, request it using Apple Pay Cash by following these steps:
How to Accept Money with Apple Pay Cash
After someone sends you money, adding it to your account is simple. The first time you’re sent money, you have seven days to accept it. After that, all payments are automatically accepted unless you change your payment acceptance settings. To change those settings, follow these steps:
How to View Apple Pay Cash Transaction History
Need to see all of your Apple Pay Cash transactions? Here’s how:
What Is Apple Pay Cash?
Apple Pay Cash is a peer-to-peer payment system similar to Venmo and Zelle and you can use it to send and receive money to friends and family. The money used for it either comes from a debit card or from money already sent to you using Apple Cash. Money is stored in your Apple Pay Cash account and can be used at stores that accept Apple Pay, sent to other people, or deposited into your bank account.
On iPhone, tap Wallet > Apple Cash card > tap the … icon.On iPad, go to Settings > Wallet & Apple Pay > Apple Cash card.
How Is This Different From Apple Pay?
Apple Pay is used to make wireless purchases at stores or other merchants using a credit or debit card. Apple Pay Cash is a way to swap money with friends and family.
How Is It Different From the Apple Card?
The Apple Card is a traditional credit card. All of the things you know about credit cards apply to the Apple Card. It’s one way to pay using Apple Pay, but it’s not a way to send money to people. In fact, you can’t fund Apple Pay Cash transactions using any kind of credit card, including the Apple Card. Only bank accounts and debit cards can be used with Apple Pay Cash. You can share your Apple Card with up to five other people in your Family Sharing group, and you can also set spending limits, track your purchase history, and even build credit together.
Apple Pay Cash Requirements
To use Apple Pay Cash, you need:
A compatible Apple device, including:iPhones with Face ID or Touch ID (except for the iPhone 5S) iPads with Face ID or Touch ID Apple Watch Macs with Touch ID (or released in 2012 when used with an iPhone or Apple Watch). iOS devices running iOS 11.2 or higher. Watches running watchOS 4.2 or higher. Two-Factor Authentication configured on your Apple ID. To be signed into iCloud on the device you want to use. A debit card added to your Apple Wallet app.
Apple Pay Cash Transaction Limits
There are some limits on Apple Pay Cash. Some of the most important ones include:
Maximum Apple Cash balance: US$20,000Amount that can be added to Apple Cash from debit card: $10-$10,000Maximum amount that can be added to Apple Cash, every seven days: $10,000Per message/transaction limits: $1-$10,000Transfer from Apple Cash to bank account: $1-$10,000Maximum transfer to bank account, every seven days: $20,000
