Apple Pay is a payment service by Apple Inc. that allows contactless transactions through all company devices. 

Apple users are fortunate as they do not require installing and using other digital payment platforms as they already have the best one. You can receive, request, and make payments seamlessly.

So if you want to learn how to send money through Apple Pay and all the nitty-gritty of the platform, read this blog till the end.  

What is the Difference between Apple Pay and Apple Cash? 

Apple Pay homepage

People usually get confused between the two terms, Apple Pay and Apple Cash. So before jumping into sending money via Apple Pay, let’s clear the basics. Both of these are different payment modes on the official app.

  Apple Pay  Apple Cash 
Apple Pay is the feature that helps you to make contactless payments using the balance, or with any other payment method that is linked to your Apple Wallet.Apple Cash is a digital card in your Apple Wallet app. You can use it to send and receive money through Wallet or iMessage.

All you have to do is visit the Apple Store, download, and install the official app on your device, and then you can begin making transactions. 

How to Apple Pay Someone with iMessage?

With iMessage, you can send money using Apple Pay in addition to sending and receiving SMS messages. Money can be sent almost as quickly as messages thanks to the integration of iMessage and Apple Cash. 

The following instructions explain how to send money on Apple Pay with iMessage:

  • First, unlock your device and launch the Message app.
  • Now, select the active chat window or initiate a new chat with the recipient of the money transfer. 
  • Here, press the Apple Cash button at the bottom of the screen. 
  • After entering the desired payment amount, press the Apple Pay send money button.
  • Once you double-check the information, your payment will be approved.
    Send money through iMessage

So this is how quickly and easily you can Apple Pay send money via the iMessage application. 

How to Send Money with Apple Pay Wallet?

The payment application comes with a built-in wallet that you can use to store money while making purchases. 

The following instructions explain how to use Apple Pay to send money from its wallet: 

  • First, access your Apple Wallet.
  • After choosing your Apple card, press the Send Money button.
    Choose Apple card
  • You can save new contact information or add the recipient’s information from your contact list
  • Now, fill in the designated field with the amount you wish to send.
  • Finally, after double-checking the information you entered, click on the send button.
    Click on send button
  • Your payment will be approved by the application, and the recipient will receive the funds.
    Apple Wallet

You can also use bank accounts, debit cards, and credit cards that are connected to your account to transfer money and complete transactions. We will learn how to do that in the next section.

How to Add a Card to Apple Pay?

Apple Pay’s default settings will redirect you to Apple Wallet and iMessage to process the transaction. However, there is an option for you to manually fund your account using the associated payment methods. 

For this, the first thing you have to do is add your card information to your account to use it as a payment method. To add card information, follow the instructions given below:

  • Go to system preferences on your device after opening Apple Wallet. 
  • Click Wallet and Apple Pay, then select Add Card.
  • Now you have to add your card details by following the on-screen instructions.
  • Once you save the changes, your bank or card issuer will be contacted by the app to automatically confirm your identity. 
  • After money is sent using Apple Pay, the app verifies your identity and saves your card information to your account.

You can now opt to use your linked card to make a payment the next time you use the application.

How to Send Money via Apple Pay on iPhone/iPad?

Follow these instructions to send money using Apple Pay if you use an iPhone or iPad:

  • First, unlock your iPad or iPhone, then launch the iMessage app.
  • Click on the conversation with the recipient of the money transfer. 
  • After selecting the Apple Cash button, input the desired amount to be sent.
  • Press the Send button and confirm your identity by entering your passcode, face ID, or Touch ID
  • That is it; as soon as the recipient accepts it, the funds will be in their account. 

In case you have an Apple Watch, the good news is that you can access the payment application on your watch as well to make your digital transactions. Isn’t it great? Let’s learn the steps of how to send someone money on Apple Pay using Apple Watch in the next section. 

How to Send Money through Apple Pay on Apple Watch?

The ability to make payments with an Apple Watch is a very useful feature. Use the following steps to achieve this: 

  • Navigate to iMessage on your Apple Watch.
  • You can initiate a new chat or tap on an already-existing one with the recipient of the money transfer.
  • Select the Apple Cash button.
  • Click the Send button after entering the amount in the designated field.
  • Press the right button twice to send the payment after you have verified your identity.
    Send money through Apple Watch

You can also use this payment portal to transfer funds to your debit card as needed. In the next section, let’s talk about it in more detail. 

How to Transfer Money from Apple Pay to Debit Card and Bank Account?

The money is generally transferred from Apple Pay instantly, however, it can take 1–3 days for the same, depending on the method you choose.

You can either use a bank transfer, which could take up to three days, or use the instant transfer option with an eligible Mastercard or Visa card. 

Debit Card 

Use the instructions provided below to transfer money to a debit card that is accepted:

  • Launch the Wallet app on your device. 
  • After tapping the Apple Cash card, select the More option (three dots).
  • Click on the Transfer to Bank button.
  • After entering the amount, select Next.
  • Press the Instant transfer button, select the debit/credit card to which you wish to send money, and then select the card’s billing details. 
  • Your money will be transferred in 30 minutes after that. 

Bank Account 

Use the instructions listed below to transfer money to your bank account:

  • On your Apple device, launch the wallet app and press the Apple Cash button.
  • Select the transfer to the bank option by tapping the More button.
    Transfer to bank option on Apple Pay
  • Here, type in the amount and click the transfer button.
  • Enter account and routing number, verify your identity, and your money will be transferred in one to three business days.
    Enter account information

So these are the steps to transfer funds from the Apple Pay app to your debit card and bank accounts. We have learned about how to send Apple Pay via different methods and different devices till now. Moving ahead, let’s see how to request money on Apple Pay. 

How to Request Money on Apple Pay?

The unique feature you will find on this digital payment app is to send a payment request. You can request any amount from anyone, and they can eventually send money back to you. 

Here is how to request money on Apple Pay via different devices:

On iPhone/iPad 

Users of iPhones and iPads who want to request money through Apple Pay must perform the following steps:

  • Go to iMessage and tap on their conversation.
  • Click the App Store icon, then select the Apple Cash icon.
  • After entering the desired amount, click Request.
  • Finally, to request payment, click the send button.
    Request payment on Apple Pay

On Apple Watch 

If you use Apple Pay on your Apple Watch, then the steps to make a money request are as follows:

  • To send a payment request to someone, open iMessage and select their conversation
  • Choose Apple Cash from the menu by tapping the App Store icon.
  • Enter the desired amount to be received.
  • Finally, press the request payment button. 

Once you’ve sent the payment request, the next thing you need to do is respond and accept the money, let’s see how it works in the coming section. 

How to Receive Money on Apple Pay?

If you are receiving money on the app for the first time, note that it might take over 7 days to receive the funds. Also, you’ll have to read and agree to the terms and conditions and agreement to receive the amount automatically. 

Here’s how to receive money on Apple Pay via different devices:

On iPhone

To receive money on your iPhone using Apple Pay, just follow these steps:

  • Navigate to your Wallet and select the Apple Cash credit card.
  • To view card details, tap the More Options button.
  • Depending on your preference, click either the Automatically Accept Payment or the Manually Accept Payment button.
    Payment accepting method on Apple Pay
  • That’s it; you are now prepared to get paid. 

On iPad

If you use an iPad and would like to get paid, follow the instructions below:

  • To start with, turn on your iPad and open the Settings app.
  • Navigate to the bottom and select Wallet and Apple Pay.
  • Click the Apple Cash Card.
  • Finally, choose whether to accept the payment automatically or manually.

On Apple Watch 

Receiving money can be more convenient by following the instructions below:

  • Go to the Apple Watch application after unlocking your iPhone.
  • Tap on Apple and Wallet Pay after scrolling down to the bottom.
  • Choose the Apple Cash Card option here, and then decide whether to accept payments automatically or manually. 

Once you make changes, they will be saved across all of your devices.

Why Should You Use Apple Pay?

Apple Pay homepage

According to rankings, Apple Pay is the best payment app. FDIC-insured Green Dot Bank offers its online banking services via digital application. Based on Statista data, the platform currently has a whopping 507 million users worldwide.

The following are some of the main attributes that give Apple Pay’s users such high levels of dependability:

  • Faster than traditional cards. 
  • Rewards and cashback for purchases.
  • Accepted by millions of websites and apps for shopping.
  • Simpler procedure for online checkout.
  • Send quick money transfers to friends and family.
  • You can always keep track of your payments. 
  • Easy steps for account setup.
  • Available on all Apple gadgets.

We’re certain that Apple Pay’s unique and safe features may have convinced you to change your payment method. 

So this was all about how to receive, request, and send money through Apple Pay via iPhone, iPad, and Apple Watch. We hope this blog will help you in performing all the steps with ease. 

Frequently Asked Questions 

Ans: You can use an Apple cash card, funds in your Apple Wallet, or directly via Apple Pay. 

Go to Apple Pay>> Send Money>> Enter Amount>> Select Payment Mode.

Ans: Yes, you can use Apple Wallet instead of any card for making payments.

Ans: Check if you have stable internet and completed the verification process.