How to Set Up and Use Apple Pay Cash

This article explains how to set up and use Apple Pay Cash. I'll also go over viewing the Apple Pay Cash transaction history and other information about the service.

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:

1. Tap the Wallet app to open it.

2. Tap the Apple Pay Cash card.

3. Tap Set Up Now.

4. Tap Continue.

5. Tap Agree to agree to the Apple Pay Cash terms.

   

   You're setting up a new virtual bank account when you do this. But don't worry: this won't affect your credit.

6. You'll see the screens below. When the blue button is no longer dimmed, tap Done.

   

7. Wait a few seconds for the Apple Pay Cash account to be activated. A message appears when it's ready. Tap the X to hide the message.

How to Send Apple Pay Cash Using the Messages App

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:

1. Open the Messages app and start a message (it can be an existing message thread or a new one).

2. Tap the Pay icon. (If it's not visible, tap the apps icon next to the message field).

   The Messages' interface has been updated in iOS 17 and iPadOS 17's, so you might need to the + and then More if you don't see the Apple Cash menu item.

3. Enter the amount you want to send. Do this by tapping the + or - buttons, or by tapping Show Keypad and entering the amount.

   If the person you're trying to send money to can't use Apple Pay Cash (because they don't meet the requirements listed earlier in the article, for instance), a message will let you know.

4. When you've ready, tap Pay.

   

   If you have money in your Apple Cash account, it's used for Apple Pay Cash transfers by default. If you don't have enough money or enough to cover the payment, the debit card on file in Wallet is used. If you have more than one card, tap > to choose.

5. Add a message if you'd like and send the message like a normal text message.

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:

1. Open Messages and go to a conversation with that person or create a new one.

2. Tap the Apple Pay Cash iMessage app to open it.

3. Select the amount you want using the + and - buttons, or by tapping Show Keypad.

4. Tap Request.

5. Add a message if you want, and then send the text.

   

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:

1. Tap the Wallet app.

2. Tap your Apple Pay Cash card.

3. Tap the ... icon.

4. In the Accepting Payments section, tap Manually Accept Payments.

   

5. Now, any time someone sends you cash, you'll need to tap Accept in the message they send.

How to View Apple Pay Cash Transaction History

Need to see all of your Apple Pay Cash transactions? Here's how:

1. Where you start depends on your device:

   • On iPhone, tap Wallet > Apple Cash card > tap the ... icon.
   • On iPad, go to Settings > Wallet & Apple Pay > Apple Cash card.

2. Your most recent transactions are listed here. For more information about one, tap it.

3. To see older transactions, scroll down and tap a year. Then tap a transaction for more information.

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 comes from a debit card or 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.

How Is This Different From Apple Pay?

Apple Pay is the system 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. Everything you know about credit cards applies to the Apple Card. It's a way to pay for items and services but not a way to send money to people. You can't fund Apple Pay Cash transactions using any 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$20,000
• Amount that can be added to Apple Cash from debit card: $10-$10,000
• Maximum amount that can be added to Apple Cash, every seven days: $10,000
• Per message/transaction limits: $1-$10,000
• Transfer from Apple Cash to bank account: $1-$10,000
• Maximum transfer to bank account, every seven days: $20,000