You will have the option to either request or send that amount of money to your correspondent. To begin, tap that button and confirm the dollar amount with the on-screen controls. Apple Pay Cash will show up as an option in the iMessages app drawer at the bottom of the screen. Once your card is set up, you can now send or request money.

Don't Miss: Wallet Not Showing on Your Lock Screen? Here's How to Fix It.

Previously, you would need a debit or credit card on file to use the shortcut, even if you had passes in your Wallet.

Thankfully, unlike with just using passes in Wallet, the double-click Home button gesture (or double-click Side button gesture on the iPhone X and newer) will still work with only an Apple Pay Cash card set up on your account. This will bring up the Request/Pay screen, where you can adjust the amount you want to ask for or give to somebody. You can open up the Messages app, then select the Apple Pay Cash icon from the iMessage app drawer. So get that out of the way before continuing, or you'll be asked to set it up during the process.Īlso, you must be using an iPhone 6 or later, be at least 18 years old, and you must be in the US and have a US credit or debit card and social security card if authentication is ever needed. But before trying either way out, you need to enable two-factor authentication on your iCloud account. To send and receive money, you first have to set up Apple Pay Cash. All you need to know is that your iPhone should be running iOS 11.2 or higher, so iOS 12 will work just fine, in order to take advantage of Apple Pay Cash. However, Apple has a built-in system to transfer money, with person-to-person payments being available in the Messages app ever since iOS 11.2.Īpple was originally supposed to release its Apple Pay Cash system in iOS 11.0, but it didn't actually appear until iOS 11.2.

There's also Zelle, which offers quick-pay solutions in major banking apps such as Bank of America, Chase, and Wells Fargo.

You can send and receive money from your iPhone using Venmo, Square Cash, Facebook Messenger, and even Snapchat.

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