How to Send Money Through Apple Pay in 2022

Apple Pay is a mobile payment system that allows easy and secure transactions. How can you send money using Apple Pay? We’ll go over how to make payments in stores, how to buy things online without needing your card on hand, how to set up an account if you don’t have one already, how to add cards with the same bank or major banks, how to change your default card when paying with Apple Pay in supported apps and more!

Because there are so many iPhone users, sending them money or asking for cash through Apple Pay may be useful. But how can you pay someone with Apple Pay?

It may appear strange to send payments to a third party, but once you’ve done it once, it’s easy. This guide will show you how to utilize Apple Pay if you haven’t already. Please note that using Apple Pay to pay friends and family members in the United States is only accessible to persons.


How does Apple Pay work, and how can I use it?

Money Transfer speed

Users can make online payments in applications and stores using their mobile devices (and other Apple products). You may add money to your Apple Pay account with a linked credit card, debit card, or prepaid card. These transactions must be authorized with a passcode, Touch ID, Face ID, or double-click on the side button of your Apple Watch.

You can also use Apple Pay to send and receive the money within Messages, funded by your Apple Cash balance.


Install the Apple Wallet If You Don’t Have It Yet.

how to use apple pay

To use Apple Pay, you’ll need the Apple Wallet software on your iOS device. After iOS 10 was released, it became possible to get rid of previously installed Apple programs, and the Apple Wallet is no exception. Many users inadvertently erase the wallet app from their phone before ever using it.

We all know that there are a lot of preinstalled applications that we never use, but this one is useful and may make payments easier.

If you deleted the Wallet software, go to the apple store and download it again. It’s also worth noting that with Apple Pay, you can only send money to other Apple users; they’ll need the Wallet app installed to receive it.


Add a new payment method

new payment method

You must first add a payment method to your account to use Apple Pay. Adding a payment method is simple.

Press and hold on to it once you’ve downloaded the Wallet app until a black circle with a plus (+) sign appears. To add new payment methods, tap this. Continue to add a new card by tapping Continue. The Apple Wallet app allows you to scan a debit or credit card and automatically input the information, so you won’t have to type out each number separately.

You may also apply for the Apple Card in the app. The Apple Card is a credit card offered by Goldman Sachs with a fluctuating interest rate. You must have excellent credit, and some fair scores are acceptable to be eligible.


How to Pay Merchants With Apple Pay?

apple pay

After you’ve added a payment method or two, you’re ready to start paying merchants. Most businesses and even vending machines have Apple Pay integration. You may quickly pay with your phone without having to pull out a card.

Double-click the Side button on your iPhone near any Apple Pay contactless reader terminal to pay a merchant using Apple Pay. This will bring up your Apple Pay cards. You may select the Apple card you wish to use, and it will go to the top of the list.

After you’ve verified the payment, you’ll hear a sound. If double-clicking the side button doesn’t work for you, check to see whether this option has been enabled. To activate it, go to Settings > Wallet & Apple Pay and enable Double-Click Side Button.


Set Up Apple Cash to Pay Someone Using Apple Pay

how to use apple pay

You can certainly use Apple Pay to send money to friends and family! They must be in the United States and have an Apple Wallet. You can currently not pay with your Apple Wallet to other bank accounts or alternative payment apps (such as CashApp or Venmo).

You may send money to friends and family using the Messages app. However, only use Apple Pay on the App Store if you have this payment option enabled. You’ll need to do one more thing to get this choice—set up Apple Cash. This is essentially a cash wallet within your Apple Wallet that you may load using Apple Pay and receive payments from others. Please note that all recipients of your cheques will require access to Apple Cash.

To configure Apple Cash, open the Wallet app. You’ll see a black card labeled “Cash” in the Wallet app that you need to activate. To set up your Apple Cash account, tap on this. In most situations, the procedure should take you less than a minute. All you have to do is consent to some straightforward information verification.


How To Pay Someone with Apple Cash?

how to use apple pay

Now that you’ve completed the configuration, you may begin sending and receiving money. There are no further adjustments to make, and everything should work as intended from this point forward.

To begin receiving and sending payments, all you have to do is use iMessage. Open the Messages app on your iPhone and tap on the person you want to pay. An Apple Pay symbol will appear on top of the keyboard. You may request or send money with an iMessage after selecting this icon.

You can input the price you wish to transmit or request and send it like a regular message. The receiver will be informed when this is delivered. If there is a problem, you will be informed, and the payment or request will be canceled, so there’s no need to worry on your end.


Send Money Through Siri

Send Money Through Siri

You may utilize it for those who use Siri frequently to make or request payments quickly and hands-free. State “Siri, send [contact name] five dollars,” and it will confirm your payment before sending it. Money requests are the same.


Send Money From Apple Watch

Send Money From Apple Watch

Set up a debit card for Apple Pay on your Apple watch if you haven’t already done so to send money with Apple Cash on an Apple Watch. It would be best if you were prompted to use the same credit card on your paired Apple watch when you create an Apple Pay debit card on your iPhone.

To reply:

  1. Slide your finger down from the top of the screen and tap Messages.
  2. Begin a new conversation or resume an existing one by sliding your finger down from the top of the screen.
  3. Select Apple Pay by swiping down and tapping its icon. You may choose an amount by tapping + or -, turning the Digital Crown, or selecting a specific number using the Digital Crown after choosing a number.

After that, double-press the side button to pay.


How to Withdraw Your Apple Cash?

Withdraw Your Apple Cash

To withdraw your Apple Cash from the Apple Wallet, go to its settings and choose “Withdraw.” Then click on “Deposit” in the Apple Wallet app. You can send Apple Cash to anybody else by simply saving it in the app. After all, as with any conventional bank, Apple Cash is FDIC-insured, so it’s perfectly safe to keep some money there.

To withdraw your money:

  1. Open the Apple Wallet app on your device.
  2. Click on the black Apple Cash card in the lower part of the screen. You may see how much money you have in Apple Cash here.
  3. Tap the circle with three dots in the upper right corner if you’d want to withdraw.

Here are the Apple Cash settings you’ll need to know. A setting labeled Bank Account may be found on this page. To add your bank account, go to the Bank Account section and input your routing and account numbers.

After you’ve created an Apple Cash profile and verified it, you may choose Transfer to Bank from the top of the page. To submit the transfer, type in the amount and hit Next. This procedure takes one to three days, depending on your bank.

What’s the difference between Apple Cash and Apple Pay?

In a few areas, Apple Cash and Apple Pay are similar. Both Apple Cash and Apple Pay have the following features in common:

  • Apple pay and Apple cash are available to users with an iPhone, iPad, or iPod touch with Touch ID.
  • You may use your mobile phone to send and receive funds.
  • A debit card may be used to fund.


How Apple Pay & Apple Cash Work Together?

  • If you wish to pay for something using your Apple Cash balance in a shop, app, or online, choose Apple Cash as the payment choice through Apple Pay.
  • If you want to send money in the Messages app, select Apple Pay from the drop-down menu and add funds from your Apple Cash account.


 What are the differences between Apple Cash and Apple Pay?

  • If applicable, Apple Cash can be funded using a debit card, money received via iMessage, or Daily Cash (cashback) from your Apple credit card.
  • You can get Apple Pay by loading it on a debit card, credit card, prepaid card, or Apple Cash.
  • Although Apple Cash is exclusively linked to the closed system, it is possible to use Apple Pay as a different payment method.
  • Apple Cash can only be used with Apple Pay as a payment option.
  • You can move your Apple Cash balance to a bank account.
  • You can’t move funds from Apple Pay to a bank account.


Why Should I Use Apple Pay or Apple Cash Instead of Venmo or PayPal?


  • Platforms Available: The mobile payment market is expanding rapidly. Because of this, there are a variety of payment platforms accessible: Apple Pay and Apple Cash are only available on iOS devices, whereas Venmo and PayPal are available on Android and iOS smartphones.
  • Costs to transfer money: It’s free to move money with Apple Cash and Venmo. It costs nothing to send cash using a linked debit card or in-app balance with Apple Cash, but payments made through credit cards are charged at 3% of the amount transferred. Sending money via PayPal’s in-app payment system is free; however, sending funds using your debit or credit card costs 2.9 percent of the total sum plus 30 cents.
  • Money Transfer speed: With Apple Pay, you can receive money as an in-app balance that you may then move to a bank account. This transfer might take anywhere from three to five business days using Venmo and PayPal, but only up to three days with Apple Cash. Withdrawals are processed instantly through Apple Pay, Venmo, and PayPal; they usually take only a few minutes. All three services charge the same transaction fee of 1.5 percent of the transferred amount, with certain minimums and maximums depending on the service.
  • Insurance Coverage by FDIC: Apple Cash is not insured by the FDIC. When you set up your Apple Cash account, your money is federally guaranteed up to $250,000, just like in a regular bank account. Unless they’re from direct deposits, PayPal and the Venmo app balances aren’t insured by the Federal Deposit Insurance Corp.
  • Money Transfer limits: Apple Cash’s transaction limits are larger than those of PayPal and Venmo. You can transfer up to $10,000 per transaction with Apple Cash, up to $20,000 each week through your debit card or bank account, whereas PayPal allows transfers totaling no more than $60,000 per transfer and, in some circumstances, no more than $10,000. Instant transfers to debit cards are limited to a maximum of $5,000 per transfer and week; the same goes for instant bank transfers.
  • Making payments: You may use Apple Pay (as well as Apple Cash) to pay for items in stores and on applications and websites. In addition, you may apply for the firm’s credit card, the Apple Card, which also interacts with other digital platforms. PayPal and Venmo may be used to make payments online, in apps, and shops; each has a credit card.

You can now make payments to friends or obtain money via text conversations after you’ve set up your Apple Wallet. You may also use iMessage to pay individuals who also use iMessage and are in the United States. If you get money delivered to you, withdrawing it to a bank account makes it simpler to spend your cash outside of Apple Pay.

Setting up Apple Pay now can make life simpler in the future, and it’s a great way to use your iPhone without having to carry cash.

Rubay Sheraz

Rubay Sheraz is a blogger, writer, and tech enthusiast. A recent graduate with a degree in Journalism from Punjab University, Rubay applies her journalism skills to help others understand how technology can be leveraged for social change.

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