How to send money with Apple Pay Cash in the Messages app
iPhone owners can send payments using Messages and Apple Pay with the help of Apple Pay Cash.

Apple Pay Cash is Apple's system for sending and receiving payments with Apple Pay through iMessage. Setting up Apple Pay Cash also adds the new Apple Pay Cash card to the Wallet app on your iPhone, letting you use the balance of that card to make payments in physical stores or online just as you would with any other credit or debit card attached to Apple Pay.

 

How to set up Apple Pay Cash

First things first, you have actually to set up Apple Pay Cash.

  1. Open Settings.
  2. Tap Wallet & Apple Pay.
  3. Tap Apple Pay Cash.

    Set up Apple Pay Cash, showing how to open Settings, tap Wallet & Apple Pay, then tap Apple Pay Cash

  4. Tap Continue.
  5. Tap Agree if you're asked to do so. If you've previously set up Apple Cash on other devices associated with your iCloud account, you might not be asked to agree
  6. Tap Done.

    Set up Apple Pay Cash, showing how to tap Continue, then tap Done

How to verify your identity for Apple Pay

To make sure the process of using Apple Pay Cash goes smoothly, you'll want to verify your identity.

  1. Open Settings on your iPhone or iPad.
  2. Tap Wallet & Apple Pay.
  3. Tap Apple Pay Cash.

    Verify identity, showing how to open Settings, tap Wallet & Apple Pay, then tap Apple Pay Cash

  4. Tap Verify Identity.
  5. Tap Continue.
  6. Enter your First and Last names.

    Verify identity, showing how to tap Verify Identity, tap Continue, then enter your name

  7. Tap Next.
  8. Enter your address.
  9. Tap Next.

    Verify identity, showing how to tap next, enter your address, then tap Next

  10. Enter the last four digits of your social security number and date of birth.
  11. Tap Next.

    Verify identity, showing how to enter your SSN and birthdate, then tap Next

How to add money to your Apple Pay Cash card

You can send payments through Messages with Apple Pay without a balance on your Apple Pay Cash card, but you might want to add some money all the same

  1. Open Wallet on your iPhone.
  2. Tap on your Apple Pay Cash card.
  3. Tap the ... in the black circle in the top-right corner.

    Add money to Cash, showing how to open Wallet, tap Apple Pay Cash card, then tap ...

  4. Tap Add Money.
  5. Enter the amount of money you want to add to your card using either the pre-defined buttons or by entering a custom amount on the number pad.

    Add money to Cash, showing how to tap Add Money, then enter amount

  6. Tap Add.
  7. Authorize the transfer from an Apple Pay-linked debit card. On iPhone 8 and older, you authorize with Touch ID, while on iPhone X, you double-click the side button to activate Face ID for authorization.

    Add money to Cash, showing how to tap Add, then authorize the transfer

How to send your Apple Pay Cash balance to a bank account

Any money you receive on your Apple Pay Cash card can be sent from your card to the bank account of your choice.

  1. Open Wallet on your iPhone.
  2. Tap on your Apple Pay Cash card.
  3. Tap the ... in the black circle in the top-right corner.

    Transfer money to bank, showing how to open Wallet, tap Apple Pay Cash card, then tap ...

  4. Tap Transfer to Bank.
  5. Enter the amount that you want to send from your Apple Pay Cash balance to your bank account.
  6. Tap Next.

    Transfer money to bank, showing how to tap Transfer to Bank, then enter the amount, then tap Next

  7. Choose between Instant Transfer and 1-3 Business Days. Note that Instant Transfer has a fee associated with it and requires a debit card, while selecting 1-3 Business Days requires you to add your bank account details.
  8. Tap Transfer.
  9. Authorize the transfer.

    Transfer money to bank, showing how to tap Instant Transfer or 1-3 Business Days, then tap Transfer, then authorize the transfer

How to send payments using Apple Pay Cash

Sending money to your friends and family in Messages is oddly akin to sending a sticker.

  1. Open Messages on your iPhone or iPad.
  2. Tap on a conversation with the person you'd like to send money to or start a new iMessage conversation.
  3. Tap the Apple Pay button at the bottom of the screen.

    Send Payments in Messages, showing how to Open Messages, tap conversation, then tap the Apple Pay button

  4. Tap the - or + buttons to select an amount.
  5. Tap Show Keypad if you want to enter a specific amount.
  6. Enter your specific amount.

    Send Payments in Messages, showing how to tap the - or + button, then tap Show Keypad, then enter your amount

  7. Tap Pay.
  8. Tap the send button (looks like an arrow in a black circle).
  9. Authorize the payment from an Apple Pay-linked debit card. On iPhone 8 and older, you authorize with Touch ID, while on iPhone X, you double-click the side button to activate Face ID for authorization.

    Send Payments in Messages, showing how to tap Pay, then tap send, then authorize the payment

How to request a payment with Apple Pay Cash

Of course, you can also request a payment through Messages.

  1. Open Messages on your iPhone or iPad.
  2. Tap on a conversation with the person you'd like to request money from or start a new iMessage conversation.
  3. Tap the Apple Pay button at the bottom of the screen.

    Request payment in Messages, showing how to open Messages, tap conversation, then tap Apple Pay button

  4. Tap the - or + buttons to select an amount.
  5. Tap Show Keypad if you want to enter a specific amount.
  6. Enter your specific amount.

    Request payment in Messages, showing how to tap - or +, tap Show Keypad, then enter an amount

  7. Tap Request.
  8. Tap the send button (looks like an arrow in a black circle).

    Request payment in Messages, showing how to tap Request, then tap send

 

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