How To Send Money Via Apple Pay

Dianna Russini

3 min read

·

Apr 05, 2025

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How to Send Money Via Apple Pay: A Simple Guide

Sending money using Apple Pay is quick, easy, and secure. This guide will walk you through the process, covering everything from setting up your account to sending and receiving funds. Whether you're using Apple Pay Cash or a linked debit card, we've got you covered.

Setting up Apple Pay for Sending Money

Before you can send money via Apple Pay, you need to ensure it's properly set up on your device. This involves adding a payment method and verifying your identity.

Adding a Payment Method

1. Open the Wallet app: Locate the Wallet app on your iPhone, iPad, or Apple Watch.
2. Add a card: Tap the "+" button to add a debit card or credit card. You'll need to enter your card details.
3. Verify your information: Apple will verify your card details with your bank. This usually happens instantly. Note that not all cards are supported for sending and receiving money.

Enabling Apple Cash (for US users)

Apple Cash allows for peer-to-peer payments directly within the Apple ecosystem. This requires a separate setup.

1. Open Wallet app: Access the Wallet app on your device.
2. Add Apple Cash: You'll typically see an option to add Apple Cash. Follow the on-screen prompts. This often involves verifying your identity with your social security number.
3. Link a bank account: Link a debit card to your Apple Cash account to load funds.

Sending Money with Apple Pay

Once your payment method is set up, sending money is a breeze.

Sending Money via Apple Pay Cash (US only)

1. Open Messages: Navigate to the Messages app and open a conversation with the recipient.
2. Tap the Apple Pay button: Look for the Apple Pay icon within the message input field.
3. Enter the amount: Specify the amount of money you want to send.
4. Send: Tap the send button to complete the transaction.

Sending Money using a Linked Debit Card

This method utilizes your linked debit card for the transfer. Availability depends on your bank and card type.

1. Open the Wallet App: Open the Wallet app on your device.
2. Select the debit card: Choose the debit card you wish to use for the transfer.
3. Select the recipient: Select the appropriate contact from your contacts list.
4. Enter Amount: Input the amount of money you plan to send.
5. Confirm the Transfer: Review the details and complete the transfer by following the on-screen instructions.

Receiving Money with Apple Pay

Receiving money is just as straightforward as sending it.

1. Check your Messages: If using Apple Pay Cash, the recipient will receive the payment through a notification in their Messages app.
2. Access your Wallet app: You can see the transaction details in your Wallet app, under the Apple Cash or Debit Card section.
3. Accept or Reject: You may be prompted to accept or reject the payment.

Troubleshooting Common Issues

• Payment Failed: Check your internet connection, ensure sufficient funds are available, and verify your payment information. Contact your bank if the issue persists.
• Recipient Not Receiving Money: Make sure you entered the correct phone number or email address. The recipient needs to have Apple Pay set up to receive the payment.

Keywords: Apple Pay, send money, receive money, Apple Pay Cash, payment methods, peer-to-peer payment, mobile payment, money transfer, iOS, iPhone, iPad, Apple Watch, debit card, credit card.