Usually on the iPhone, to send and receive money, people use Venmo, Square Ca$h, or Google Wallet. That requires downloading another app for your phone and hoping your fellow iPhone friends and family does the same. Apple’s changing that with Apple Pay and Apple Pay Cash built into iMessage on iPhone.
Setting up Apple Pay
Important: You need to have iPhone 6 or newer running iOS 11.2 or later. Apple Watch requires watchOS 4.2 or later.
First things first, make sure to set up Apple Pay on your iPhone. To do so,
Step #1: Open Settings → Tap on Wallet & Apple Pay.
Step #2: Tap on Add Credit or Debit Card.
Step #3: Follow the instruction to add a card on iPhone.
Now that you have Apple Pay setup up on iPhone, let’s show you how to Send/Receive Apple Pay Cash in iMessage.
Send/Receive Apple Pay Cash in iMessage
What you need and what you need to know first:
- Transaction are free if you use Apple Pay cash with a debit card.
- If you use the credit card, you will have to pay a standard 3% credit card fee on the sending amount.
- A compatible device with iOS 11.2 or later.
- Two-factor authentication for your Apple ID. Make sure that you sign in to iCloud and iMessage with the same Apple ID on any device that you want to use to send or receive money.
- Enough money on your Apple Pay Cash card or an eligible credit or debit card in Wallet.
1. In Messages, start a new conversation or tap an existing one.
2. Tap the App icon, then tap the Apple Pay icon
3. To select an amount, tap “-” or “+”. To enter an exact amount, tap “Show Keypad”.
4. Tap Pay. If you want to, add a message to go with the payment.
5. Tap the arrow pointing up. Then review the payment information or cancel. Your money in Apple Pay Cash will b e used to pay first. Learn how a payment method is chosen.
6. Finally, to send the payment, confirm with FaceID, Touch ID or your passcode. Need to cancel a payment after sending?
There are also many other ways to use Apple Pay Cash in your contacts, through Siri, and on Apple Watch. Head to the Apple site for much more information on Apple Pay and Apple Pay Cash.