Set up Apple Pay Cash and person to person payments

Learn about sending and receiving money with Apple Pay in Messages, and how you can use the money with Apple Pay Cash in stores, within apps, and on the web.

This feature is available with the iOS public beta from the Apple Beta Software Program.

Now you can use Apple Pay to pay and get paid right in Messages, or by asking Siri. There’s no app to download, and you can use the cards you already have in Wallet. Send money for books to your son in college. Split a bill. Pay a babysitter. Send and receive from across the table — or across the country. Instantly.1

Here's what you need

To send and receive money with Apple Pay, you must be at least 18 years old and you must live in the United States.2 You also need these things:

Then you need to agree to the Terms and Conditions. You can do this the first time that you try to send or receive money. You might also be asked to verify your identity.

After you accept the Terms and Conditions, you can send and receive money with friends and family quickly, easily, and securely right from your iPhone, iPad, or Apple Watch. 

Learn how to send money to friends.

You can't use person to person payments with Apple Pay for any business-related activities, such as operating a business or paying employees. 

Set up Apple Pay Cash in Wallet

When someone sends you money, it's automatically and securely kept on your Apple Pay Cash card. You’ll see your new Apple Pay Cash card in Wallet, and you can use the money to send to someone, make purchases using Apple Pay in stores, within apps, and on the web, or transfer it from Apple Pay Cash to your bank account.

If you’re setting up Apple Pay Cash for the first time, you’ll need to set it up using any supported device where you're signed in to iCloud with your Apple ID. 

  1. Tap Settings > Wallet & Apple Pay. 
  2. Tap the Apple Pay Cash card, then follow the onscreen instructions.

If you turn off Apple Pay Cash for any one device, you can still use Apple Pay Cash on other devices where you’re signed in with your Apple ID.

Learn how to add money to Apple Pay Cash.

Learn more

  • There’s no fee to use Apple Pay Cash with a debit card. If you send money using a credit card, there's a standard 3% credit card fee on the amount funded with a credit card.
  • Setting up Apple Pay Cash doesn't affect your credit and won’t be impacted by any credit freezes.
  • To protect your account, you might be asked to verify your identity at certain points when using Apple Pay Cash. If you don't want to provide this information, you won't be able to use the full functionality of Apple Pay Cash. Learn how to verify your identity
  • Learn about the minimum and maximum amounts that you can send, receive, transfer, and more. 
  1. Account security checks may require additional time to make funds available.
  2. Sending and receiving money with Apple Pay and the Apple Pay Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
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