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How to set up and use apple pay cash on your iphone

When you set up Apple Cash, you can send and receive money in the Messages app or make purchases using Apple Pay. 1

How to set up and use apple pay cash on your iphone

What you need

  • Be at least 18 years old and live in the United States.
  • Have a compatible device with iOS 11.2 or later or watchOS 4.2 or later.
  • Set up two-factor authentication for your Apple ID.
  • Sign in to iCloud with the same Apple ID on any device that you want to use to send or receive money.
  • Add an eligible debit card in the Wallet app, so you can send money.

How to set up and use apple pay cash on your iphone

How to set up Apple Cash

  1. Open the Settings app on your iPhone or iPad.
  2. Scroll down and tap Wallet & Apple Pay.
  3. Turn Apple Cash on.
  4. Under Payment Cards, tap Apple Cash.
  5. Tap Continue, then follow the instructions on your screen.

When someone sends you money, it’s automatically and securely kept on your Apple Cash card. Your new Apple Cash card can be found in the Wallet app.

If you want to set up Apple Cash for a family member that’s under 18 years old, learn how to set up Apple Cash Family. If you’re under 18 years old, your Family Sharing organizer can set up Apple Cash for you with Apple Cash Family.

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

What you can do with Apple Cash

  • Add money to Apple Cash.
  • Make purchases using Apple Pay.
  • Send money to someone in the Messages app. 2
  • Transfer money from Apple Cash to your bank account.
  • Use your Apple Cash to make payments on your Apple Card balance .
  • Receive Daily Cash from Apple Card purchases. 3

Learn more

  • There’s no fee to send, receive, or request money using Apple Cash.
  • Setting up Apple 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 Cash. If you don’t want to provide this information, you won’t be able to use the full functionality of Apple Cash. Learn how to verify your identity.
  • Learn about the minimum and maximum amounts that you can send, receive, transfer, and more.
  1. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. You can’t use person to person payments with Apple Pay for any business-related activities, such as operating a business or paying employees.
  3. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is available only in the United States.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Here’s how to set up and use Apple Cash in your Apple Pay wallet to send, receive and request money on both your iPhone and Apple Watch.

If you’re using Apple Pay on your iPhone ($499 at Apple) or Apple Watch ($409 at eBay) , you might wonder about the tiny black Apple Pay oval at the bottom of your Messages app. Or perhaps a friend sent you money with Apple Cash and you want to know what you can do with it. I’m going to walk you through setting up and using Apple Cash in your Apple Pay wallet to send, receive and request money as well as transfer cash into your bank account.

With Apple Cash, Apple Pay and the Apple Card — also known as Apple’s credit card — it can be confusing to know what each does and doesn’t do. Apple Cash is tied to your Apple Pay and lets you make purchases in stores, apps and on the web. You can also transfer the money you have on Apple Cash to your bank account. It’s similar to the way Venmo and the Cash app by Square works, except it’s tied to your Apple ID.

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You can send people money with Apple Cash and people can send you money, which is automatically and securely kept on your Apple Cash card. However, there’s not an actual physical card, just a metaphorical one. If you want to follow along step by step, check out the video above.

How to set up and use apple pay cash on your iphone

You can send, receive and request money with Apple Cash. It works like Venmo and the Cash app from Square.

Set up Apple Cash on your iPhone

Let’s start by setting up Apple Cash on your phone.

Open the Wallet app on your phone. If you already have Apple Pay set up you’ll see the black Apple Cash card. By the way, if you tilt and pan your phone, the colored circular pattern on the card will change colors. There is no practical use for this feature aside from being entertaining.

1. Tap the card, and then select Set Up Now.

2. On the next screen, tap Continue. After a moment, the Apple Cash is Set Up window will pop up.

3. Hit Continue. If you don’t have a debit card on your phone, you’ll be prompted to add one. If you choose to not add one, you can add it later but won’t be able to send money because you don’t have any.

If you don’t have Apple Pay already set up take a look at CNET’s how to set up Apple Pay article to get started.

Sending Apple Cash

1. To send cash, open up the Messages app and then go into a conversation or start a new one.

2. Tap the Apple Pay button below the message field. If you don’t see it tap the Apps icon to reveal it.

3. Next, tap the plus or minus buttons to add the amount you want to send.

4. Then, if you want, add a message to go with the payment.

5. When you’re ready to send, tap the black circle with a white arrow.

You can use Apple Cash to pay people through the Messages app on your iPhone.

By default, any money you already have in Apple Cash will be used to make the payment first. Otherwise, if you don’t have any money, the debit card tied to your phone will be charged.

Apple Cash on the Apple Watch

Apple Cash isn’t just limited to your phone. You can also use it on your Apple Watch.

1. In Messages, scroll down, then tap the Apple Pay button.

2. Turn the Digital Crown to add or subtract money.

3. Then tap Pay.

Speak to Apple Pay

By the way, you can also use Siri to pay someone with Apple Cash. Simply trigger Siri and say, “Siri, Apple Pay 80 dollars to Eric Franklin.”

Request Apple Cash from someone

You can also use it to request money. For example, if you bought tickets to a movie for yourself and a friend, you can request the money they owe you.

1. From Messages tap the Apple Pay button.

2. Next, enter an amount and then tap Request. You don’t have to, but it’s probably a good idea to add a message.

3. When you’re done hit Send.

Receive Apple Cash and transfer to bank

Next, comes the fun part: when someone sends you money. When you receive Apple Cash from someone, it’s automatically received and kept in Apple Cash by default. If you have your Apple Cash card setup you can use your balance to make purchases in apps, online and in stores. Otherwise, you can transfer Apple Cash into your bank account.

You can transfer any Apple Cash you have to your bank.

1. Open the Wallet app and tap on Apple Cash.

2. On the next screen, tap the black circle at the top of the screen.

3. Then locate and tap the Transfer to Bank button.

4. Enter the amount you want to send and hit Next.

5. Then choose 1-3 Business Days. If you don’t have a bank account set up, follow the instructions on your screen to add one.

6. Next, you need to confirm with Face ID, Touch ID, or your passcode. Then, comes the worst part: waiting for the money to transfer.

If you have a Visa debit card tied to Apple Pay you can use instant transfer to get the money into your bank account fast. After you tap Transfer to Bank, hit Instant Transfer. Next, select the Visa debit card you want to transfer money to and the billing information. Your funds should transfer within 30 minutes. You might be charged a 1% fee to use instant transfer.

Cancel an Apple Cash payment

There might be a time when you need to cancel an Apple Cash payment. For example, if you sent someone money who hasn’t accepted, you might want to cancel it and pay them via a different method.

1. Open Messages and go to the payment or find the payment on the Latest Transactions screen underneath Apple Cash card in the Wallet app.

2. Tap the payment to see its details, then check the status field.

3. From there, tap Cancel Payment. The status field should update to read Canceled. If you don’t see the option to cancel, then the person has already accepted the payment. In which case you’ll need to ask the person to send money back to you.

Apple Cash is a really convenient albeit complex system. Once you have the basics set up, you should be good to go.

You can use your iPhone, iPad, or Apple Watch to send and receive money or buy items online or in-store. Here’s how to use the Apple Cash app.

How to set up and use apple pay cash on your iphone

If you use Apple Pay on your iPhone, iPad, or Apple Watch, you can pay for things at physical stores, from online retailers, and within supported apps. Apple Cash expands that capability as a peer-to-peer payment service that allows you to send and receive money as easily as you might send a text message.

Rolled out in 2018, Apple Cash can be linked to a credit card (for a 3% fee) or debit card. Since Apple Pay allows you to add more than one card, you can set up a credit card for regular transactions and a debit card for Apple Cash to dodge the transaction fee. You can then use any money received via Apple Cash to purchase items or use it in conjunction with the Apple Card to pay the balance or use cashback rewards.

When an Apple Cash request is received, it is added to the Apple Wallet in the form of an Apple Cash virtual card that can be used to purchase items through Apple Pay or transferred directly to a bank account. To send and receive money using Apple Cash, you must be 18 years old and live in the US, have an Apple device that is compatible with Apple Cash, and enable two-factor authentication (2FA) for your Apple account. Here’s how to set up and use the service.

Send Money Through Messages

You can send money through Apple Cash using the Messages app or by talking to Siri. To send money via Messages, open the app and start a new conversation or open an existing one with the person who will receive the cash. You can send someone money without typing an actual text, but you may want to remind the person why you’re sending money. Tap the app icon on the left and tap the Apple Pay icon.

Tap the plus or minus key until you see the amount you wish to send. To enter a specific amount instead, tap the Show Keypad button and then type the amount. At the keypad, you can tap the Pay button to initiate the payment or you can swipe down to close the keypad screen, return to your message, and then tap Pay.

Confirm Payment

If you haven’t already set up Apple Cash, you’ll be prompted to do so at the next screen. You’re then prompted to add a debit card, if you don’t already have one set up, to avoid incurring the bank fees charged with a credit card. Add your debit card if necessary, then return to your text message and tap Pay. Tap the Send button in the message to send the payment. You can then use Face ID, Touch ID, or a passcode to confirm the payment.

Troubleshooting tip: If the Apple Cash payment didn’t go through, you may need to turn off the feature, then turn it back on again. To do this, go to Settings > Wallet & Apple Pay. Turn off the option for Apple Cash, then turn it back on. You’re asked to type your Apple ID password. Apple Cash then takes you through the setup process once more.

Send Money Through Siri

You can use Siri to send someone money via Apple Cash by saying something along the lines of “Hey Siri, Apple Pay 25 dollars to Stephen for dinner” or “Hey Siri, send 25 dollars to Stephen.”

Send Money From Apple Watch

To send money via Apple Cash on an Apple Watch, set up a debit card for Apple Pay for your watch if you haven’t already done so. When you set up a debit card for Apple Pay on your iPhone, you should be asked if you want to use the same card on your paired watch.

Open Messages and start a new conversation or resume an existing one. Swipe down and tap the icon for Apple Pay. You can choose an amount by tapping the plus or minus button, turning the Digital Crown, or tapping the dollar amount and then turning the Digital Crown to select a specific number. Tap the Pay button, then double-tap the side button to pay.

Refill Apple Cash Balance

By default, your Apple Cash payments take the necessary funds directly from your linked debit card, but you can also preemptively fill your balance. Go to Settings > Wallet & Apple Pay, then tap Apple Cash under the Cards header. At the Apple Cash screen, tap Add Money, enter the amount you wish to deposit, then tap Add.

The minimum amount is $10. Authenticate the transfer with Face ID, Touch ID, or your passcode. You’ll then see the amount listed as your Apple Cash balance.

Spend Apple Cash Balance

When you receive money via Apple Cash, it is added to your account balance, which can then be spent through Apple Pay or transfered to your bank account. You can check this balance by opening the Wallet app on your iPhone and looking for the Apple Cash card among the other cards displayed. The card shows you the balance available for purchases. Tap the card to see your latest transactions.

When you want to pay for an item from a retailer that accepts Apple Pay, tap the Apple Cash card so it appears in full. You then authenticate the transaction using Face ID, Touch ID, or your passcode.

Request a Payment

You can also request money from someone else. Open a conversation in Messages. Tap the app icon and Apple Cash if it’s not already selected. Choose an amount and tap the Request button. Add a comment to the message and tap the button to send it. On the other end, your recipient receives the request as a text and just taps the Pay button to pay it.

Manually Accept Payments

By default, payments via Apple Cash are automatically accepted. However, you can change this to manual, which means you must actively accept the payment within seven days. Return to the Apple Cash card screen under Settings > Wallet & Apple Pay. Under the section for Accepting Payments, change the option to “Manually Accept Payments.”

At this same screen, you can also tap the Transactions tab to see all your Apple Cash transactions. At the bottom of the Transactions screen, tap Request Statement to receive an email of your transactions.

Transfer Money

To transfer money from Apple Cash to your bank account, return to the Apple Cash card screen under Settings > Wallet & Apple Pay. Under the section for Accepting Payments, tap Bank Account > Add Bank Account, then enter your bank’s routing number and account number.

Back at the main screen for Apple Cash, tap Transfer to Bank. Enter the amount of money you want to transfer, then tap Transfer. Confirm the transaction via Face ID, Touch ID, or your PIN. The money typically takes one to three business days to end up in your account.

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How to set up and use apple pay cash on your iphone

The much-awaited Apple Pay Cash is finally available with iOS 11.2 or later. Also dubbed as “Peer-to-Peer” money transfer, it allows you to send/receive money using iMessage. To get started; first, you need to set up Apple Pay Cash on your iPhone.

Using Apple Pay Cash, you can send up to $3,000 at once. If you use debit card registered in your Apple Wallet, you won’t have to pay anything for the transaction.

How to use Apple Pay cash on iPhone

You Need to Know:

  • The transaction is free if you use Apple Pay cash with a debit card.
  • However, if you use the credit card, you will have to pay a standard 3% credit card fee on the amount.
  • You will be asked to verify your identity at certain points while using Apple Pay Cash. You must do it else you won’t be allowed to use the full functionality of Apple Pay Cash.
  • If you send $500 in Apple Pay Cash transactions, you have to verify your identity.
  • You are allowed to send up to $3,000 at once. Currently, it’s available in the USA only.

How to Set up Apple Pay cash on iPhone

To set up Apple Pay Cash, you must enable 2-factor authentication for Apple ID. Besides, you need to have a credit or debit card registered in your Apple Wallet. Make sure you have iPhone 6 or newer running iOS 11.2 or later. Your paired Apple Watch must be running watchOS 4.2 or later.

Step #1. Open Settings app on your iPhone.

Step 2. Now, you need to tap on Wallet & Apple Pay. Then, turn on the switch that’s right next to Apple Pay Cash.

Step #3. Now, tap on Apple Pay Cash card.

Step #4. Next, you need to tap on Continue. Then agree to the terms and conditions.

Now, your Apple Pay Cash card will be created.

Step #5. Finally, you have to connect it with your bank’s debit card. To do so, you need to scan your Debit card with your iPhone camera.

That’s it! You have rightly enabled Apple Pay cash on your device.

How to Send/Receive Apple Pay Cash Using iMessage

Once you have set up Apple Pay Cash, send or receiving money is pretty easy to do. Jump over to this guide to get it done.

How to Transfer Apple Pay Cash to Your Bank Account

Apple allows you to transfer up to $3,000 per transfer ($20,000 within a seven-day period) from Apple Pay Cash to your bank account. You can transfer your money to a bank account in the United States. Jump to this post.

How to Manage Apple Pay Cash Account on iPhone, iPad, and Apple Watch

You can comfortably manage your Apple Pay Cash on your device. For instance, you can disable the account on any device, view the transaction history, and even close the account if you don’t want to use it anymore.

How to Send/Receive Apple Pay Cash on Apple Watch

Sending and receiving Apple Pay Cash on Apple Watch is as easier. Just ensure your smartwatch is running watchOS 4.2 or later.

How to Manually Accept Apple Pay Cash on iPhone and iPad

If anyone sends you money, it’s automatically stored to Apple Pay Cash. But you have the option to manually accept Apple Pay Cash on your iPhone and iPad. Here is more on it.

How to Cancel or Reject Apple Pay Cash from iPhone and iPad

If you ever mistakenly send money to anyone or someone sent you cash wrongly, you can easily cancel or reject Apple Pay Cash right from your iOS device. Find more information.

Wrapping Up:

P2P has made it pretty simple to transfer money. So, if you ever find your wallet a bit short on cash, don’t fail to request your friend for some bucks quickly. Let us know your feedback about it in the comments below.

Catch up on these posts as well:

Easily Share Cash Among Family Members

How to set up and use apple pay cash on your iphone

Oscar Wong / Getty Images

How to set up and use apple pay cash on your iphone

How to set up and use apple pay cash on your iphone

If your kids have ever asked you for money, taking out cash on a revolving basis might not be your idea of a good time. If your kids are young, you may not want to get them a credit or debit card. But if you have Apple devices, you can set up Apple Cash Family.

What Is Apple Cash Family?

Apple Cash Family lets parents and kids send and receive money and make purchases through Apple Cash. The feature integrates the Family Sharing and Apple Cash features Apple offers through its devices.

Family Sharing allows a family unit of up to six people to share App Store purchases and iCloud storage. Instead of using one login with multiple devices and many different people, Family Sharing lets you set up permissions for kids and give them their own logins. You can approve things like screen time, app purchases, and downloads.

The person who sets up Family Sharing is the “family organizer.” As the family organizer, you can invite family members through their Apple IDs to join your Family Sharing plan before setting up Apple Cash Family.

Apple Cash is a cash-management account that can send and receive money through the Messages app, and it’s a payment option when you use Apple Pay. If you connect your card to a bank account, you can transfer money to and from your Apple Cash card when you need it.

Apple Cash Family brings these two features together to provide a way for parents to send money to their kids in a monitored account.

How Do You Set Up Apple Cash Family?

If you’re ready to move to Apple Cash Family, you’ll need to complete a few steps first.

Make Sure Devices Are Compatible

To use Apple Cash Family, each family member must have an Apple Pay-compatible device, which include:

  • iPhones with Touch ID (except iPhone 5s) and Face ID
  • All iPad models with Touch ID or Face ID
  • Apple Watch (Series 1 and 2 or later) and first-generation Apple Watches
  • Macs with Touch ID, 2012 models or later

The minimum OS requirements for devices on Apple Cash Family is iOS 11.2 and watchOS 4.2 or later.  

Set Up Family Sharing

The family organizer sets up Family Sharing by tapping Settings and then Family Sharing on mobile devices, or by clicking Family Sharing in your Mac’s System Preferences menu.

Once you set up Family Sharing, all family members will need to sign into their devices with their own Apple ID, then turn on two-factor authentication.

Since Apple Cash Family is only available in the U.S., each family member will need to set their region to the United States.

At least one person in your Apple Cash Family group must be under 18.  

Set Up Apple Cash for Kids

If you’re the family organizer, go to Settings, tap your name up top and then select Family Sharing.

From there, select Apple Cash, then choose the family member you want to add. Select Set Up Apple Cash and follow the instructions on your screen to complete the process.

Once you’re done, Family Sharing and Apple Cash will be integrated, and your Apple Cash Family will be ready to go.

Only the family organizer can set up Apple Cash Family, and the same Apple ID that sets up Family Sharing must be used to set up Apple Cash Family.

How Do You Use Apple Cash Family?

Once you add your family to your Apple Cash Family, you can manage Apple Cash for everyone through your Wallet.

Open your Wallet app and tap the Apple Cash card. Tap the more button (the three-dot icon) and then scroll down to your child’s name. From here, you have access to a variety of tools that help you monitor and regulate your child’s spending, including:

  • Checking their transactions
  • Sending money
  • Locking their Apple Cash access
  • Choosing whom they can send money to (family members, contacts, or everyone)
  • Getting notifications when they make a transaction

If you’re a parent who isn’t the organizer but part of the family group, you can still see your child’s transactions and balance but can’t change their permissions and access.

Kids and teens can use Apple Cash similar to the way adults do: for purchases online, in stores, and through apps that support Apple Cash. Kids age 13 and older can also send and receive money through Messages.

Pros and Cons of Apple Cash Family

Controlled access to money

Check child’s transactions and cash

Teaches kids a little bit about money

Only available in the U.S.

Not every merchant accepts Apple Pay

Pros Explained

  • Controlled access to money: Instead of kids carrying around cash and credit cards (possibly your credit cards), they have money in their phone. If they ever lose it or it gets stolen, hackers will have a hard time getting through with two-factor authentication. You can remove access at any time, limit where they send money, and how they spend it.
  • Check child’s transactions and cash: You can see where your kid is spending money, whom they’re sending money to, and get notifications every time your child makes a transaction.
  • Teaches kids a little bit about money: Consider Apple Cash like your child’s virtual piggy bank. If they earn an allowance, you can keep it in Apple Cash and they can spend it how they please. They’ll learn that when the money’s gone, it’s gone. While it’s not the same as physically spending money and having empty pockets, seeing an empty account is impactful, even for adults.

Cons Explained

  • Only available in the U.S.: If you have relatives or family members who live abroad, they won’t be able to participate in Apple Cash Family.
  • Not every merchant accepts Apple Cash: While you can use Apple Cash for Apple-specific products and services (like the App Store and Apple Music, for example), you can also use it at millions of stores. With that said, not every store accepts Apple Pay. If you have stores you frequent and want to use Apple Cash, check to see if they accept it first and have a backup payment method just in case.

Alternatives to Apple Cash Family

While Apple Cash Family is a great option if you already have Apple devices, it might not be right for your family. There are plenty of mobile payment apps to try, including:

  • Cash App
  • Venmo
  • Zelle
  • Google Pay app
  • PayPal
  • Facebook Pay

These apps are good options for sending and receiving money, but they don’t have the capacity to monitor transactions and lock accounts. Samsung Pay also has a version of a Wallet for some of its devices but don’t offer a family plan like Apple Cash Family.

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  • Sign in to the app
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You may also add a card using the Wallet app or within the Wallet & Apple Pay settings of your compatible device.

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Add your eligible ANZ Visa cards to Google Pay™ to start paying with your compatible Android device. Your card details are never shared with the merchant or stored on your device.

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Set up Samsung Pay™ today to make secure contactless payments using your compatible device. Your card details are never shared with the merchant or stored on your device.

Fitbit Pay™

A new easy way to pay using your compatible Fitbit device. Your card details are never shared with the merchant or stored on your device.

Garmin Pay™

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How to set up and use apple pay cash on your iphone

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Apple on Tuesday officially launched Apple Pay Cash — a long-awaited peer-to-peer payments feature in iOS 11.2 that allows users to send and receive money from family and friends through Messages. We show you how to set up and use the new functionality in this video.

To set up Apple Pay Cash, you’ll first need to enable two-factor authentication by navigating to Settings > iCloud > Password & Security > Two Factor Authentication. Follow onscreen instructions to activate the security feature.

Next, head into the Wallet app. You’ll see a new Apple Pay Cash card option at the top. Tap on it and hit continue to generate your Apple Pay Cash card.

Alternatively, opening the Messages app for the first time after installing iOS 11.2 will display a message informing you that Apple Pay Cash is available for setup.

Both options achieve the same goal: setting up your Apple Pay Cash card.

Once the digital card is created, iOS will ask you to pair a debit card with the new service, and you really should, since transfers from credit cards incur a 3 percent fee. If you already have cards connected to your iCloud account, they will show up as viable options. You can choose which ones to add, or you can add a different card manually.

After tapping continue, the system will ask you to verify your cards. Once they’re added, your Apple Pay Cash card will now show up with a $0 balance.

Now let’s add some cash.

If you tap on the card, you’ll only get some general information, like the last transaction, so you’ll have to go into Settings > Wallet & Apple Pay. From here, you can enable and disable Apple Pay Cash. Let’s tap into the cash card, where you can see your latest transactions and request a statement.

How to set up and use apple pay cash on your iphone

Tapping on info, we see an option to Add Money. Simply choose the amount and hit add.

Apple Pay will now ask you to authenticate the transaction via Touch ID or Face ID. Once finished, your balance should instantly appear next to the Apple Pay Cash card graphic.

Now let’s send some cash to a friend. Remember that both devices need to have at least iOS 11.2 installed for person-to-person payments to work.

Head into the Messages app, open a conversation with a friend, then tap on the Apple Pay icon in the App drawer. Choose the amount you want to send and tap Pay.

After reviewing the payment, tap send and authenticate. Face ID on the iPhone X really makes this process easy.

Your friend will receive an Apple Pay Cash popup in Messages, which they can tap on to view the transaction. They can even Request Cash again. Heading back into Wallet, your friend will instantly see the $5 added to their Apple Cash Card balance.

How to set up and use apple pay cash on your iphone

Now when your friend is the one sending you money, you’ll see a little Apple Pay loading notification within Messages. Once the payment goes through, you can tap to view the transaction, and tap back to view your Apple Pay Cash settings.

You’ll have instant access to the cash for Apple Pay purchases, but if you want to transfer those funds to a bank account, tap Transfer to Bank and Add Bank Account. iOS will ask for your routing number and bank account number. You can find both numbers on one of your checks, or just give your bank a call to get that info.

Once your bank account is added, choose the amount you want to transfer and authenticate. Transfers can take 1 to 3 business days, so keep that in mind.

How to set up and use apple pay cash on your iphone

You can also set the Apple Cash Card as your default Card by heading into your Wallet & Apple Pay settings, tapping your your current Default Card, and selecting the Apple Cash card.

If you ever want to delete your Apple Pay Cash card, just head into your Apple ID settings, and tap on your your device at the bottom of the screen. At the bottom of the Device Info page, there’s an option to remove all cards.

Finally, if you plan on sending or receiving transfers over $500, Apple Pay might require that you verify your identity. To do so, navigate to your Apple Pay Cash card in Wallet, tap on the “i” icon and select Verify Identity. You might be asked to furnish your social security number, address, date of birth and, in some cases, a photo of a valid driver’s license, so be sure to have those ready.

How to set up and use apple pay cash on your iphone

How to set up and use apple pay cash on your iphone

Apple’s payment system lets you pay for goods and services online as well as in physical stores. It’s a secure and private method of purchasing, so we’ll show you how to set up Apple Pay.

Set Up Apple Pay on iPhone

  1. Open the Wallet app.
  2. Tap the plus icon in the top right corner.
  3. Tap Continue. You’ll be asked to position your credit or debit card in front of the camera. Or you can enter the card details manually. You may have to download an app from your bank for the card to be added.
  4. Then, tap Next. Your bank will verify your information, and if more details are required you’ll be asked to enter more.
  5. Once the card is verified, tap Next.

You’ll see your card in the Wallet app and you can start using it with certain retailers that support Apple Pay.

Set Up Apple Pay on Other Devices

Setting up Apple Pay is largely the same on other Apple devices. You just have to go to a different area in the system. On the iPad, go to Settings > Wallet & Apple Pay. Tap Add Card, then follow the instructions above.

On an Apple Watch, open the Watch app on your iPhone. Tap Wallet & Apple Pay, then follow the instructions above. Finally, to set up Apple Pay on your Mac, you’ll need a Mac with Touch ID. Go to System Preferences > Wallet & Apple Pay, then follow the instructions above.

Simple, fast, secure, and contactless. Here’s how to pay on the go with your Apple device.

  • How to add a card
  • Paying in stores
  • FAQs
  • How to add a card
  • Paying in stores
  • FAQs

Make the most of a great way to pay

Where to pay

Use Apple Pay wherever you see one of these symbols.

Tap to pay in-store

In-app and online

Setting up Apple Pay

How to set up and use apple pay cash on your iphone

  • Open the Wallet app
  • Tap the + sign in the top right corner of your screen

How to add your BankSA card

How to set up and use apple pay cash on your iphone

  • Logon to the BankSA App, go to the Services menu and scroll down to My Cards
  • Tap Add to Apple Wallet, then select the card you want to add
  • Tap Add to Apple Wallet and follow the prompts

How to set up and use apple pay cash on your iphone

Open the Apple Watch app on your iPhone

  • Tap Wallet & Apple Pay
  • Tap Add Card and follow the prompts
  • Go to Settings
  • Tap Wallet & Apple Pay, select Add Credit or Debit Card then follow the prompts

You can add a card to Apple Pay on a Mac model with Touch ID.

  • Go to System Preferences
  • Select Wallet & Apple Pay, then select Add card and follow the prompts

Using Apple Pay

Check for the ‘tap to pay’ symbol on the card reader, then activate your Apple wallet:

  • With Face ID on your iPhone: Double-press the side button, glance at your screen, then hold your iPhone near the card reader.
  • With Touch ID on your iPhone: Put your iPhone close to the card reader, holding your finger on Touch ID.
  • On your Apple Watch: Double-press the side button and hold your Apple Watch up to the card reader.

How to pay in-store using Touch ID

How to pay in-store with iPhone X­­

Shop in-app or on your Safari web browser and select Apple Pay at the checkout. To complete the payment:

  • On your iPhone or iPad: Use Face ID or Touch ID
  • On your MacBook: Use Touch ID on the Touch Bar
  • On other compatible Macs: Use your iPhone or Apple Watch

Your eligible Visa debit card will default to the Visa network for payments. To change the default network:

  • On your iPhone: Open the Wallet app, tap on your card, tap the … button in the top right hand corner, then choose the payment network
  • On your Apple Watch: Double-press the side button and select your card, then firmly press the display and select the payment network

If you’ve got an eligible Freedom eftpos card with one or multiple accounts, you can also use it on Apple Pay.

BankSA Credit Cards

BankSA Australian Medical Association Gold Visa
BankSA Law Society Gold Visa
BankSA Gold Low Rate Visa
BankSA Gold Advantage Visa
BankSA Vertigo Platinum
BankSA Amplify Rewards
BankSA Amplify Rewards – Qantas
BankSA No Annual Fee Visa
BankSA Visa
BankSA Cricket Association Classic Visa
BankSA Start Low Stay Low Visa
BankSA Amplify Platinum Visa
BankSA Amplify Signature Visa
BankSA Vertigo Classic Visa

BankSA Debit Cards

BankSA Visa Debit
BankSA Visa Gold Debit
BankSA Get Set Visa
BankSA Freedom card

Yes, you can add multiple BankSA eligible cards to Apple Pay on compatible devices and choose a default card. However, you must select the required card prior to making a purchase if more than one card is added.

The first card added to Apple Wallet is the default card. If you add more than one card, you can change the default card at any time, the process is slightly different for each device.

iPhone or iPad

  • Go to Settings > Wallet & Apple Pay, scroll down to Transaction Defaults
  • Tap Default Card and choose a new card

Apple Watch

  • On the iPhone, open the Apple Watch app, and go to the My Watch tab.
  • Scroll down and tap Wallet & Apple Pay >Default Card and choose a new card.

Mac with Touch ID

  • Go to System Preferences > Wallet & Apple Pay.
  • Choose a new card from the Default Card pop-up menu.

To change the default payment network to eftpos on your iPhone, open the Wallet app, tap on your BankSA Visa debit card, tap the three dot icon and select eftpos SAV or eftpos CHQ from the Payment Option section.

To update the payment network on your Apple Watch, double-click the side button and select your BankSA Visa debit card, then firmly press the display, then choose your preferred network.

Yes, some merchants/retailers have enabled this functionality and you will be able to get cash out using your debit card. Visa debit cardholders will need to ensure that the eftpos SAV or eftpos CHQ payment network is selected for the cash out transaction to be processed successfully. You will be required to enter your card PIN at some contactless terminals when getting cash out. Cash out at ATMS is not yet enabled.

Very Secure. Security and privacy are at the core of Apple Pay. Apple uses security features built-in to the hardware and software of your device to help protect your transactions. Apple doesn’t store or have access to your full card details and these are never stored on your device or shared with merchants when you use Apple Pay. Merchants are only provided with your Device Account Number.

Each transaction is authorised by your Touch ID, Face ID or the device passcode and a confirmation is displayed in the Wallet. This shows the merchant name, where and when the transaction occurred and the amount of the payment or refund.

If you misplace your device you can use Apple’s Find My app service to remotely lock your device or permanently erase the data on your device, including your card details to prevent further Apple Pay transactions being processed.

Subject to our Credit Card terms and conditions, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases made with your BankSA card on Apple Pay. Subject to our Deposit Account Terms and Conditions, you are covered for any unauthorised transactions made on your BankSA Debit Card on Apple Pay.

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Need to send some money to a friend or family member? Follow this guide to pay someone using Apple Pay.

Since so many people have an iPhone, sending them money or requesting cash through Apple Pay could be useful. But how do you pay someone with Apple Pay?

If you haven’t sent a payment this way before, it can seem confusing. However, once you set it up, future payments and payment requests are easy. This guide will show you how to use Apple Pay if you haven’t before.

Note: Paying friends and family members through Apple Pay is only available to those in the US.

1. Make Sure You Have Apple Wallet Installed

Image Gallery (2 Images)

To use Apple Pay, you need to have the Apple Wallet app installed on your iOS device. After iOS 10 came out, it became possible to remove preinstalled Apple apps, and the Apple Wallet is no exception. Many people unknowingly remove the wallet app from their device before they even use it.

We all know there are a lot of preinstalled apps that we never use, but this one is actually handy and can make payments easy.

If you removed the Wallet app, you can download and install it from the App Store. It is also important to note that with Apple Pay, you can only send money to other Apple users, and they will need to have the Wallet app installed as well.

Download: Apple Wallet (Free)

2. Add Your Payment Method

Image Gallery (3 Images)

In order to use Apple Pay, you will need to have a payment method in your account. Thankfully, adding a payment method is easy.

Once you’re in the Wallet app, you’ll see a black circle with a plus (+) sign. Tap this to add new payment methods. Once here, tap Continue to add a new card. The Apple Wallet app allows you to quickly scan a debit or credit card and it will input the information automatically, so you don’t need to type out each number individually.

You also have the option to apply for the Apple Card in the app. The Apple Card is a credit card with a variable interest rate issued by Goldman Sachs. You will need good credit to apply, and some fair credit scores are accepted.

3. Pay Merchants With Apple Pay

Image Gallery (2 Images)

Once you’ve added a payment method or two, you are ready to start paying merchants. Many merchants and even vending machines have Apple Pay integration. You can quickly pay with your phone without having to pull out a card.

To pay a merchant with Apple Pay, simply double-tap the Side button on your iPhone near any Apple Pay reader device. This will pull up your Apple Pay cards. You can select the card you want to pay with and it will move to the top.

You will then be asked to confirm your payment, and you will hear a ding once the payment has been sent.

Note: If double-clicking the side button doesn’t work for you, be sure this option is enabled. To enable it, go to Settings > Wallet & Apple Pay and enable Double-Click Side Button.

4. Set Up Apple Cash to Pay Someone With Apple Pay

Image Gallery (3 Images)

If you want to send money to friends and family using Apple Pay, you can! It is important to note that they must be in the US and they must also have an Apple Wallet. You currently cannot send money to other bank accounts or other payment apps (such as CashApp or Venmo) with Apple Wallet.

To send money to friends and family, you can do so through the Messages app.

However, in order to get this option, you will need to do one more thing—set up Apple Cash. This is essentially a cash wallet within your Apple Wallet. You can fund this wallet and also get payments sent to you by others with Apple Pay. Please note that all recipients of your payments will also need to have Apple Cash.

To set up Apple Cash, head to the Wallet app. In the Wallet app, you’ll see a black card that just says Cash. Tap on this to set up your Apple Cash account. This takes less than one minute in most cases. You just need to confirm some basic information.

5. Send a Payment to Someone With Apple Cash

Now that you’re all set up, you can start sending and receiving money. There are no more settings you will need to implement and everything should be working from here on out.

To start sending and receiving payments, all you need to do is use iMessage. Open the Messages app and tap on the person you want to pay. On top of the keyboard, you will see an Apple Pay icon. Select that and you can request or send money with an iMessage.

You can input the price you want to send or request, and just send it like a normal message. Once this is sent, the recipient will be notified. If there is an issue, you will be notified and the payment or request will be canceled, so there is nothing to worry about on your end.

For those with an Apple Watch, you can also use that to request and send payments. To do so, just open up the messages app on your watch and select the Apple Pay icon. You can get to this setting by swiping on the Messages app, it will be in the same place as all the other Messages options once it is set up.

Please note, you won’t be able to set up Apple Pay on your watch at the moment, so you’ll need to do those steps on your iPhone or iPad.

For those who frequently use Siri, you can use that to send or request payments quickly and hands-free. Just say “Siri, send [contact name] five dollars” and it will confirm your payment before it is sent. Requesting money is no different.

How to set up and use apple pay cash on your iphoneSource: iMore

Apple Pay Cash is Apple’s system for sending and receiving payments with Apple Pay through iMessage. Setting up Apple Pay Cash also adds the new Apple Pay Cash card to the Wallet app on your iPhone, letting you use the balance of that card to make payments in physical stores or online just as you would with any other credit or debit card attached to Apple Pay.

Here’s how you go about setting up and using Apple Pay Cash on your iPhone or iPad.

How to set up Apple Pay Cash

First things first, you have actually to set up Apple Pay Cash.

  1. Open Settings.
  2. Tap Wallet & Apple Pay.

Tap Apple Pay Cash.

Source: iMore

Tap Done.

Source: iMore

How to verify your identity for Apple Pay

To make sure the process of using Apple Pay Cash goes smoothly, you’ll want to verify your identity.

  1. Open Settings on your iPhone or iPad.
  2. Tap Wallet & Apple Pay.

Tap Apple Pay Cash.

Source: iMore

Enter your First and Last names.

Source: iMore

Tap Next.

Source: iMore

Tap Next.

Source: iMore

How to add money to your Apple Pay Cash card

You can send payments through Messages with Apple Pay without a balance on your Apple Pay Cash card, but you might want to add some money all the same.

  1. Open Wallet on your iPhone.
  2. Tap on your Apple Pay Cash card.

Tap the . in the black circle in the top-right corner.

Source: iMore

Enter the amount of money you want to add to your card using either the pre-defined buttons or by entering a custom amount on the number pad.

Source: iMore

Authorize the transfer from an Apple Pay-linked debit card. On iPhone 8 and older, you authorize with Touch ID, while on iPhone X, you double-click the side button to activate Face ID for authorization.

Source: iMore

How to send your Apple Pay Cash balance to a bank account

Any money you receive on your Apple Pay Cash card can be sent from your card to the bank account of your choice.

  1. Open Wallet on your iPhone.
  2. Tap on your Apple Pay Cash card.

Tap the . in the black circle in the top-right corner.

Source: iMore

Tap Next.

Source: iMore

Authorize the transfer.

Source: iMore

How to send payments using Apple Pay Cash

Sending money to your friends and family in Messages is oddly akin to sending a sticker.

  1. Open Messages on your iPhone or iPad.
  2. Tap on a conversation with the person you’d like to send money to or start a new iMessage conversation.

Tap the Apple Pay button at the bottom of the screen.

Source: iMore

Enter your specific amount.

Source: iMore

Authorize the payment from an Apple Pay-linked debit card. On iPhone 8 and older, you authorize with Touch ID, while on iPhone X, you double-click the side button to activate Face ID for authorization.

Source: iMore

How to request a payment with Apple Pay Cash

Of course, you can also request a payment through Messages.

  1. Open Messages on your iPhone or iPad.
  2. Tap on a conversation with the person you’d like to request money from or start a new iMessage conversation.

Tap the Apple Pay button at the bottom of the screen.

Source: iMore

Enter your specific amount.

Source: iMore

Tap the send button (looks like an arrow in a black circle).

Source: iMore

Questions

If you have any more questions about setting up and using Apple Pay Cash, let us know in the comments.

Updated July 2020: Everything is up-to-date through iOS 13.6 and the iOS 14 beta.

How to set up and use apple pay cash on your iphoneOver the years, technology has grown and evolved to make nearly every aspect of daily life easier, faster, and more convenient. One of the greatest technological developments is online banking, which gives people access to their money anytime, anywhere. Some apps, such as Apple Pay and Google Pay, have furthered on-the-go banking, helping customers easily access and spend money in a more secure way. With every transaction, there is an additional layer of security. When you add a card to a Digital Wallet, a unique one-time-use number, or token, is used so that your payment information is never shared with merchants or stored on your device. The Token is also only good on your device. So if the Token number is taken, it cannot be added to another device.

Learning how to use these services can save you a considerable amount of time when you find yourself at the grocery store, gas station, or favorite carry-out restaurant.

Setting Up Your Cards for Apple Pay

Apple Pay was released in 2014, providing iPhone users with a single, simple way to access their cards while on the go. Over the years, Apple has made updates to the system that dramatically improved accessibility, making the process easy and straightforward for even the newest of users.

Before you can begin using Apple Pay, though, you have to secure the cards you want to access in your phone’s Wallet application. In order to enter your Blackhawk Bank debit card or credit card into your system, take the following steps:

  1. Open the Wallet application
  2. Watch the provided demo
  3. Follow the steps on the screen to add your card
  4. Tap “Next” to allow Blackhawk Bank to verify you can use your card with your device
  5. Tap “Next” again after verification completes

You can choose a default card in your settings if you have a go-to card that you’ll be using for most of your purchases. Blackhawk Bank makes it fast and easy to add your card to your wallet, so you never need to slow down. As soon as you finish these five steps, you’re ready to use Apple Pay.

Find a Store That Offers Contactless Payment Options

While Apple Pay and other contactless payment applications are becoming more common, they’re not a universally accepted means of payment. Fortunately, stores that offer contactless payments are easy to identify. Typically, you can find stickers on or near the register that identify the methods of payment accepted.

Alternately, you can use your phone’s Siri feature to ask which stores near you accept contactless payments. Simply activate the feature by holding down your home button and asking “Which stores accept Apple Pay?” or, if you need more specific input, “Show me grocery stores that accept Apple Pay.” Siri will then show you a list of options in your area, so you can shop with confidence.

You can also find a list of merchants who accept Apple Pay on Apple’s website, which is updated twice a month.

Paying with iPhone X and Later Models

The iPhone X and subsequent models were designed from the ground up to work seamlessly with Apple Pay technology, making them the easiest – and most secure – options for making contactless payments. If you’re planning to pay with your default card on an iPhone X or a later model, follow these steps:

  1. Double-click the button on the side
  2. When your default card appears on the screen, either use Face ID or your passcode to authenticate the transaction
  3. Place the phone within a few centimeters of the contactless payment reader
  4. Wait until you see “Done” and a checkmark on your screen.

If you’re using a card that’s not set as your default, the process is a little different:

  1. Double-click the side button
  2. When your default card appears, tap it
  3. Choose the card you want from the list that appears
  4. Authenticate with Face ID or your passcode
  5. Position the top of your iPhone within a few centimeters of the reader and wait for “Done” to appear

Paying With iPhone 8 and Earlier Models

There are a few minor differences when it comes to using Apple Pay on an older iPhone, but if find yourself in this category, don’t fret. You can still take full advantage of Apple Pay like everyone else. To use the feature on these phones, follow these steps:

  1. Place your finger on the Touch ID area
  2. Position the top of the iPhone within a couple of centimeters of the contactless reader
  3. Wait for “Done” and a checkmark to appear on your screen

These instructions are for using your default card, but changing to another card is the same process as on newer models. Regardless of the iPhone you’re using, Apple Pay is one of the fastest and most convenient ways to access money in your Blackhawk Bank account. Of course, paying at stores isn’t the only way to make use of this excellent feature. Something to keep in mind is that Apple Pay became available with the iPhone 6, anything before that would not be compatible with Apple Pay.

Using Apple Pay for Transit

In certain parts of the world, you can use your iPhone to pay for transit. There are two ways to do this: with Express Transit and without it. If you’re doing it without Express Transit, simply follow the same steps you would follow to pay in-store. Using Express Transit simply speeds up the process by eliminating the need to authenticate or turn on your phone. Hold it up to the payment reader, wait for “Done,” and the checkmark, and then enjoy your ride.

Use a Store Rewards Card

Since Apple Pay is so convenient for customers and businesses alike, some participating stores offer rewards for using this payment method in their stores. When you receive a rewards card, you’ll need to add it to your Wallet like any other card. You can set up your rewards card to appear and activate automatically whenever you’re in the store by selecting the icon with three dots at the top of the screen and then switching on the “Automatic Selection” setting.

From there, use Apple Pay as usual. Depending on the store you’re visiting, you may be able to spend/receive rewards and pay for your purchase in a single step. In other stores, you may need to scan your rewards card first and then apply payment when prompted by your cashier. If your Blackhawk Bank Mastercard debit card is set as your default card, it will appear right after the rewards screen to make access smooth, fast, and easy.

Learn More

Due to its popularity, Apple Pay is sure to become more widely available in the coming years. Don’t fall behind. Learn more about how using Apple Pay, along with other contactless payment options, can completely transform how you shop.

How to set up and use apple pay cash on your iphone

Apple Pay can help streamline your wallet, making it easier to make purchases. Usable at brick-and-mortar stores, within apps, or while shopping online, there are plenty of opportunities to use it, and it’s accessible on all Apple devices.

You only need a few things to use Apple Pay, and you should have most of them on hand already. You’ll need an eligible Apple device — for in-store use, it can be an iPhone or Apple Watch, but online Apple Pay purchases can be made using an iPhone, iPad, Apple Watch, and on a Mac computer.

You’ll also need an Apple ID that is signed into an iCloud account, and the latest version of iOS.

Finally, you’ll need a supported card from a participating card issuer. Many United States banks participate in Apple Pay; the full list of banks — both in the United States and around the world — is available on Apple’s website.

How to use Apple Pay on an iPhone while shopping in-store

When shopping in-store, you can either pay with Face ID or Touch ID.

To pay with Face ID, double-click the side button on your phone and then glance at your phone to authenticate with Face ID (you can also enter your passcode). Then, hold the top of your iPhone within a few centimeters of the contactless reader until you see a ‘Done’ and a checkmark appear on the display.

Paying with Touch ID is similar. Start by resting your finger on the Touch ID button, then hold the top of your iPhone within a few centimeters of the reader until you see a ‘Done’ and a checkmark appear on the display.

How to use Apple Pay on an Apple Watch while shopping in-store

To use your default Apple Pay card, double-click the side button of your Apple Watch and hold the display of the watch a few centimeters from the store’s card reader. You can also use a non-default card: before getting ready to pay, double-click the side button on the watch. When the default card appears on the screen, swipe left or right to choose another card, and then hold near the store’s card reader to pay.

Wait until you feel a gentle tap, and the transaction will be complete.

Some stores, and some transaction amounts, will require a receipt or entering of a PIN. You may also need to authenticate using FaceID, TouchID, or your secure passcode. If it’s a debit transacation, you might be asked to enter a PIN — according to Apple, you should just enter ‘0000’ or any other four-digit code as a placeholder.

How to use Apple Pay while shopping online

Using an iPhone, iPad, or Mac, you can use Apple Pay while shopping on Safari.

With an iPhone or iPad, first tap the Apple Pay button, then check that the billing, shipping, and contact information is all correct, or enter it if necessary. Apple Pay will store the billing information, so you only need to do it once.

Next, confirm the payment. On a device with Face ID, double-click the side button, then use Face ID or enter your passcode to authenticate. On a device without Face ID, use Touch ID or your passcode; on an Apple Watch, double-click the side button. When the payment is successful, you’ll see ‘Done’ and a checkmark appear on the screen.

When using a Mac computer, there are two different routes, depending on if your computer has Touch ID or not.

If your computer has Touch ID, tap the Apple Pay button, and check that your billing, shipping, and contact information are correct, or enter it if necessary. When you’re ready, make your purchase, and then follow the prompts on the Touch Bar. Either place your finger on Touch ID, or, if Touch ID has been turned off, tap the Apple Pay icon on the Touch Bar and follow the prompts that appear on-screen. When the payment is successful, you’ll see ‘Done’ and a checkmark appear on the screen.

With Mac models that don’t have Touch ID, it can be trickier — you’ll need an iPhone or Apple Watch to confirm payments, and you need to be signed in with the same Apple ID across all devices. Make sure you’ve turned on Bluetooth on your Mac.

Tap the Apple Pay button, then check the billing, shipping, and contact information. You can use whatever credit or debit cards that are linked to the iCloud account being used. When you’re ready, make your purchase and use either your iPhone or Apple Watch to confirm the payment. If you have an iPhone X or later, double-click the side button, then use Face ID or your passcode to authenticate; if you’re using an iPhone 8 or earlier, authenticate with Touch ID or your passcode. If using an Apple Watch, double-click the side button.

When the payment is successful, you’ll see ‘Done’ and a checkmark appear on the screen.

How to use Apple Pay within apps

With an iPhone, iPad, or Apple Watch, you can use Apple Pay to make purchases within apps that list Apple Pay as a payment option.

First, choose Apple Pay as your payment method, then check that the billing, shipping, and contact information listed are all correct, or enter it if necessary. Apple Pay will store the information, so you only need to do it once.

Next, confirm the payment. On a device with Face ID, double-click the side button, then use Face ID or enter your passcode to authenticate. On a device without Face ID, use Touch ID or your passcode; on an Apple Watch, double-click the side button. When the payment is successful, you’ll see ‘Done’ and a checkmark appear on the screen.

The fastest way to send money to friends or family.

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How do you send money through Apple Pay? You use Apple Cash! Apple Cash is the payment service that lets iPhone users send money with Apple Pay. You can quickly and securely send cash from an iPhone either using your Apple Cash balance or a debit or credit card that works with Apple Pay. In this article, we’ll show you how to use Apple Cash to send money.

Why You’ll Love This Tip

  • Use Apple Cash to send money with Apple Pay and easily pay back your friends or send family money when they need it.
  • Send money right in the Messages app, so you don’t even have to switch apps when you need to pay someone.

How to Send Money via iMessage with Apple Cash

There are lots of different ways to send payments from your iPhone, including on Facebook, PayPal, Venmo, and even Snapchat, but the great part about Apple Cash is that you don’t need to set up any new accounts or download an app. Say you’re chatting with a friend about a concert you’re going to attend; she’s buying the tickets so you can sit together, and you’ll pay her back. As long as you and your friend have set up Apple Pay on your iPhones, you don’t even need to exit the text thread to make that happen! You can send Apple Cash in a new or existing message thread with any iPhone user who has Apple Pay set up. Here’s how to use Apple Cash to send money in Messages.

  1. Open the Messages app.

How to set up and use apple pay cash on your iphone

Tap on the thread with the person you’d like to send money to, or start a new message to that person.

How to set up and use apple pay cash on your iphone

Look for a row of icons either directly above the keyboard or at the bottom of the screen.

How to set up and use apple pay cash on your iphone

If you don’t see the row of icons, tap the App Store icon to the left of the text box.

How to set up and use apple pay cash on your iphone

Tap the Apple Pay icon.

How to set up and use apple pay cash on your iphone

If the person you’re texting cannot receive Apple Cash payments, you’ll see this message.

How to set up and use apple pay cash on your iphone

If the person can receive Apple Cash, you’ll see Request, Pay, and dollar-amount options.

How to set up and use apple pay cash on your iphone

Adjust the amount with the plus or minus buttons.

How to set up and use apple pay cash on your iphone

To use a numeric keypad instead, tap on the dollar amount box.

How to set up and use apple pay cash on your iphone

After you’ve entered the correct amount, tap Pay.

How to set up and use apple pay cash on your iphone

  • Next you’ll be asked to approve the payment with Face ID, Touch ID, or your passcode, depending on your iPhone model and security settings.
  • You can check your Apple Pay history to make sure the payment was made. Later if you receive money, you can keep it in Apple Cash, or you can transfer your Apple Cash to your bank account. For more quick and easy tutorials about how to use your iPhone, subscribe to get a free Tip of the Day delivered straight to your inbox.

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    How to set up and use apple pay cash on your iphone

    Author Details

    Leanne Hays

    Leanne Hays is an SEO Content Strategist and Feature Writer at iPhone Life, and has written hundreds of in-depth how-to and troubleshooting articles. She’s a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source , as well as web content for education marketing. Leanne has an associate’s degree in education, with a focus on curriculum development, as well as a bachelor’s degree in science. She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she’s only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader’s lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.

    In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.

    Apple Pay is a secure and easy-to-use mobile payment service that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless or Apple Pay symbol.

    It enables the use of eligible cards through compatible Apple devices by leveraging existing Near Field Communication (NFC) technology to make mobile payments.

    You can also use it to make in-app and E-commerce purchases wherever the Apple Pay logo is displayed.

    How to set up and use apple pay cash on your iphone

    Mobile data or Wi-Fi connection is not required for making transactions using Apple Pay. You will need a mobile data or Wi-Fi to set up a card on the Wallet and to receive transaction notifications.

    All compatible devices are automatically NFC enabled.

    AIB personal credit cards

    AIB debit cards

    AIB Visa Corporate and Business credit cards are not currently supported.

    1. For an iPhone 6 or later, open Wallet and tap the ‘Plus’ icon next to Apple Pay in the upper-right corner or select ‘Add debit or credit card’

    2. Line up your card within the frame on the screen to capture your card details automatically or enter these details manually

    Note: Any card(s) previously registered with iTunes will be automatically displayed.

    3. Confirm your details and key in your CVC*

    4. Read and if you are happy to do so, Accept the Digital Wallet Terms and Conditions

    5. Verify your card by following the on-screen instructions

    (i) If your mobile number is registered with AIB you will be prompted to verify using a one-time passcode sent by text message

    (ii) If your mobile number is NOT registered with AIB you will be prompted to verify by calling our Customer Support team

    6. Complete; you’re now ready to use Apple Pay.

    *Your CVC is the 3 digit code on/beside the signature panel on the back of your card

    Apple Watch

    Cards must be added from the Watch app on the paired iPhone. If more than one Apple Watch is paired to an iPhone, cards must be added to each Apple Watch separately.

    1. Tap the Watch icon to open the app on iPhone

    2. Scroll to ‘Wallet & Apple Pay’

    3. Tap ‘Add credit or debit card’

    4. Complete the verification steps

    Other devices may also be available, for full list of compatible devices please see https://www.apple.com/apple-pay/

    To ensure the security of your card, we send a one-time passcode to you by text message. You will verify your identity by entering this code in the appropriate field.

    The one-time passcode will always be sent to the primary cardholder or, for business debit cards, the account owner.

    Yes you can return to the Wallet to complete your set up by:

    1. Open the Wallet App

    2. Tap your card

    3. Choose your verification method

    Pay with iPhone 6 to iPhone 8

    Hold the Touch ID and hold your iPhone near contactless reader until you see Done and a checkmark

    Pay with iPhone X

    double-click the side button, glance at iPhone X to authenticate with Face ID or enter your passcode.

    Hold the top of iPhone X near contactless reader until you see Done and a checkmark.

    Pay with Apple Watch

    double-click the side button and hold the display of your Apple Watch near the contactless reader.

    Wait until you feel tap.

    Pay within apps

    With your iPhone, iPad, and Apple Watch, you can use Apple Pay to pay within apps when you see the Apple Pay button. Look for one of these buttons in apps.

    Tap the Buy with Apple Pay or Apple Pay button or choose Apple Pay as your payment method.

    Follow the on-screen instructions.

    Confirm the payment. When your payment is successful, you’ll see Done and a checkmark on the screen.

    – iPhone X: Double-click the side button, then use Face ID or your passcode.

    – iPhone 8 or earlier or iPad: Use Touch ID or your passcode.

    – Apple Watch: Double-click the side button.

    For more payment options please click here.

    How to set up and use apple pay cash on your iphone

    You can use Apple Pay wherever Contactless payments are accepted; just look for the Contactless or Apple Pay symbol.

    You can pay in any app where you see the Buy with Apple Pay button.

    The card image may not be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

    Mobile data or Wi-Fi connection is not required for making transactions using Apple Pay. You will need a mobile data or Wi-Fi to set up a card on the Wallet and to receive transaction notifications.

    You will receive an immediate notification after each transaction made using Apple Pay. When you open the card in the Wallet, you will only see the latest transaction made. When you navigate to the transaction tab (tap on your card in the Wallet to display) you will see your last ten transactions. Transaction history is not available on the Apple Watch.

    Debit cards

    In-Store: As with existing AIB Contactless fees and charges, the account transaction fee is waived for all Contactless transactions until further notice. For non-euro Contactless transactions the Point of Sale Currency Conversion Fee of 1.75% of euro value will apply.

    In-App: As with existing internet purchases, the account transaction fee of €0.20 may apply depending on your account type. For non-euro transactions the Point of Sale Currency Conversion Fee of 1.75% of euro value will apply.

    For more information on fees and charges for your account type please review “A Guide to Fees and Charges for Personal Accounts” or “Business Fees and Charges” for Business Accounts.

    Credit cards

    In-Store & In-App: No credit card transaction fees apply. Currency conversion fees apply to non-euro Apple Pay transactions, in the same way as they do to any non-euro credit card transaction.

    For more information on the Currency Conversion fees please view our “Schedule of International Transaction Charges”.

    Mobile network provider charges may apply depending on your data plan.

    Yes. When you shop at a merchant, Apple Pay doesn’t send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe. You also need to authorise every transaction by Touch ID or your passcode.

    If your card is lost or stolen, please contact us immediately on 1800 24 22 27 (+ 353 1 269 5022), 24 hours a day. Your physical card will be blocked and a new card will be sent to you.

    Credit cards: Once reported to AIB as lost or stolen, your card details will be automatically updated and you can continue to use Apple Pay on your device whilst your new card is sent to you.

    Debit cards: Once reported to AIB as lost or stolen, Apple Pay will be updated when you receive your new debit card.

    If your device is lost/stolen, please contact us immediately on 1800 24 22 27 (+ 353 1 269 5022), 24 hours a day and we can block your card on Apple Pay.

    We recommend that you also register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

    How to set up and use apple pay cash on your iphone

    For the fastest way to loan money to a friend or pay them back after borrowing some yourself, you can use Apple Cash, formerly named Apple Pay Cash. Once you set it up, you can send money to your contacts or request money from them via the Messages app. The service has been around for a while, but there are still many who haven’t taken it for a spin yet.

    If you fall into this category, this tutorial shows you how to set up and send money with Apple Cash.

    Qualifications for using Apple Cash

    • You must be at least 18 years old and a resident of the United States.
    • You must have a supported device running at least iOS 11.2 or watchOS 4.2.
    • You must use two-factor authentication for your Apple ID.
    • You must be signed into iCloud and Messages with the same Apple ID on the device that you want to use for Apple Cash.
    • You must have enough money in your Apple Cash or a debit card in the Wallet app. Apple Cash will be chosen by default unless you don’t have enough money. Then your debit card will be used for the funds.

    Setting up Apple Cash on your iPhone

    To get started, you can either open the Wallet app or your Settings > Wallet & Apple Pay. Then, do the following to set up Apple Cash.

    1) Tap Apple Cash and then tap Set Up Now and Continue.

    2) You’ll then see the Terms & Conditions for Apple Cash, which you should read to be sure you want to set up and use it. Tap Agree to continue.

    How to set up and use apple pay cash on your iphone

    3) The next screen will display showing you that Apple Cash is being set up. When it completes, tap Done.

    Now, you’re set to send money with Apple Cash.

    How to set up and use apple pay cash on your iphone

    Using Apple Cash to send money

    You have a few different options for how you want to send money using Apple Cash. You can send it in the Messages app, ask Siri to send it, use your Apple Watch, or send through the Contacts app.

    Sending money in the Messages app

    1) While in the conversation with the person you want to send money to, tap the Apple Pay button from the bottom.

    2) Use the plus and minus signs to enter the amount of money you want to send and tap Pay.

    3) When the payment appears in the text window, you can optionally add a message or just tap Send.

    4) Confirm the payment with your passcode, Touch ID, or Face ID.

    How to set up and use apple pay cash on your iphone

    Sending money with Siri

    1) Invoke Siri on your device and instruct her to pay [name] [amount].

    2) When Siri gives you a preview of the payment, verify the person and amount and tell Siri to send it or tap Send.

    3) Confirm the payment with your passcode, Touch ID, or Face ID.

    How to set up and use apple pay cash on your iphone

    Sending money from your Apple Watch

    1) Open Messages to the conversation with the person you want to send money to and tap the Apple Pay button.

    2) Use the plus and minus signs or spin the Digital Crown to enter the amount of money you want to send and tap Pay.

    3) When the payment appears in the text window double-click the side button to send the payment.

    How to set up and use apple pay cash on your iphone

    Sending money in the Contacts app

    1) Open the Contacts app and select the person you want to send money to.

    2) Tap the Pay button.

    3) The Messages app will then open for you to send your payment using the steps above to Send money in the Messages app.

    How to set up and use apple pay cash on your iphone

    Wrapping it up

    Apple Cash is a convenient way to send money to friends or family members quickly. Are you going to set up and send some money with Apple Cash? Has anyone ever sent you money using Apple Cash? Let us know your thoughts on this payment feature in the comments below!

    Apple Pay Cash is a new feature in iOS 11.2 that allows you to send money to someone directly without having to use an app like Square Cash or Venmo. Requesting cash and getting it into your bank account is incredibly easy.

    To get started, make sure you have it enabled in Settings → Wallet & Apple Pay.

    Next, open an iMessage with someone who owes you money. From the iMessage screen, tap the App icon and choose the Apple Pay app. Choose your dollar amount, and then tap Request. Once it’s paid, you’ll see the payment icon in the iMessage conversation.

    How to set up and use apple pay cash on your iphone

    Tapping the Apple Pay icon will launch the transaction. By default, Apple leaves the money on your Apple Pay card (you could ideally spend this money with retailers who accept Apple Pay).

    How to set up and use apple pay cash on your iphone

    If you want to transfer the money to your bank account, go back to Settings → Wallet & Apple Pay. From there, you’ll see the option to deposit the money to your bank account.

    How to set up and use apple pay cash on your iphone

    If this is your first time, you’ll be prompted to add your bank account information.

    How to set up and use apple pay cash on your iphone

    After all of your information is confirmed, you are given the option to start the transfer. Payments normally take 1-3 business days to appear in your account.

    How to set up and use apple pay cash on your iphone

    We have more helpful tips right here.

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    How to set up and use apple pay cash on your iphone

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    How to set up and use Apple Pay Cash to send and receive money using iPhone, iPad or even Apple Watch.

    I’ve called it a step toward a new cryptocurrency. I’ve talked about how Apple Pay is just yet another chip taken out of the shoulders of conventional banking. I’ve even looked at Bitcoin and why that digital asset is growing in stature among Apple users. Today, I want to explain how to use the new iOS 11.2 feature, Apple Pay Cash.

    What is Apple Pay Cash?

    Announced at WWDC 2017, Apple Pay Cash is Apple’s answer to services like Venmo and PayPal. It lets you send money to other iOS users via Messages. The money you send is taken from the Apple Pay card(s) you already use. When that cash is received, it is added to a new virtual payment card found in the Wallet. You can pay for things using the balance on that card and Apple Pay. You can also transfer the money into your bank account.

    There are lots of ways to use this feature, for example:

    • Sharing restaurant and household bills
    • Giving your children virtual pocket money
    • I guess we will even see it used to pay fees for services.

    What are the fees and limitations of Apple Pay Cash?

    Apple Pay Cash is made available with help from a company called Greendot. You can read the terms and conditions for what they do here. On that page, you’ll find the following fees:

    • P2P Transfer using a credit card: 3% of the transaction amount.
    • P2P Transfer using a debit or eligible prepaid card: 0%.
    • P2P Transfer using your Apple Pay Cash Card balance: 0%.
    • Purchases made using your Apple Pay Cash Card with merchants outside the U.S.: 3%.

    There are some other limitations:

    • You may be unable to use some prepaid cards, and Apple says you cannot use credit cards to pump cash into your card.
    • You cannot transfer money from gift cards into Apple Pay Cash.

    What devices are compatible with Apple Pay?

    The following devices are compatible with Apple Pay Cash:

    How to set up Apple Pay Cash

    Assuming you are in the U.S. and running a compatible device and that you have already set Apple Pay up for use with your iOS device, adding Apple Pay Cash support is a breeze.

    • Open the Wallet app.
    • Tap on the Apple Pay Cash card, you should find there.
    • You’ll be asked to follow a series of steps, after which activation will take place.
    • Once activation takes place, you’ll find a new Apple Pay Cash card in your Wallet app.

    How to use Apple Pay Cash

    Now that you’ve got the service activated on your device, you can use it to send and receive money from others using Messages.

    To use this, create or open a conversation with the person you want to request/send money to in Messages.

    1. Tap the Messages App Store icon to the left of the text entry field.
    2. Select Apple Pay.
    3. Now you can enter an amount (in dollars) and choose whether this is a request for them to pay you or for you to pay them. You’ll get the chance to preview this.
    4. Tap the arrow to send the message.

    Can I use Siri with Apple Pay Cash?

    You can use Siri to make an Apple Pay Cash payment. Just launch it, and you can say something like, “Pay John $10.” You can also pay people by names and job roles as long as you have added these in your Contacts. “Pay mum,” for example.

    How much can I send/receive using Apple Pay Cash?

    There are some usage limitations. The minimum amount you can send is $10, while the maximum amount you can send is $3,000

    There are some other limits: You can add a maximum of $10,000 to your Apple Pay Cash wallet in any seven days, though you can to transfer up to $20,000 back into your bank account in any seven-day period.

    How to I accept money using Apple Pay Cash?

    Money sent to you is automatically popped into your Apple Pay Cash wallet, except that the first time you receive cash you have seven days in which to accept the payment. That’s a quick process and means you must accept the terms and conditions of using the service.

    Where can I check my Apple Pay Cash settings?

    Your Apple Pay Cash settings are accessed in different ways on different devices.

    • On an iPhone, just tap the information (i in a circle) button on the Apple Pay Cash card in the Wallet
    • On an iPad, open Settings, tap Wallet and Apple Pay and tap the Cash card.

    What else might I need to know?

    If you have any other questions Apple has published a support note here.

    Will you be using Apple Pay Cash? How do you feel about a cash-free society? Let me know via the channels below.

    Google+? If you use social media and happen to be a Google+ user, why not join AppleHolic’s Kool Aid Corner community and get involved with the conversation as we pursue the spirit of the New Model Apple?

    Got a story? Please drop me a line via Twitter and let me know. I’d like it if you chose to follow me there so I can let you know about new articles I publish and reports I find.

    Jonny is a freelance writer who has been writing (mainly about Apple and technology) since 1999.

    Now Send & Receive Money Easily From Your iOS Device

    Updated on July 01, 2020

    How to set up and use apple pay cash on your iphone

    Be it the last year or the ongoing year, Apple Pay Cash has made quite a buzz in the iOS domain owing to its superb features. As soon as the features have gone live they have excited users like anything. As the name suggests, the feature makes it easy for users to send and receive money between iOS users in a hassle-free manner. And, the icing on the cake, it is free to send the money with Apple Pay Cash when transactions are made through debit cards. However, there is an additional 3% fee for doing the transaction when the payment is made using a credit card. But the good news for the users is Apple Pay Cash by default only allows debit cards to make the transaction.

    Apple Pay Cash was launched to compete with services like Square Cash, Venmo, and PayPal and is available in limited US states for now. By integrating their devices with iOS 11.2, users can send and receive payments easily. Prior to we explain how to set up the Apple Pay Cash, have a look at Apple Pay Cash Requirements:

    Users need to have iOS 11.2 on their devices & OS 4.2 on Apple Watch

    Users must remain signed into iCloud and iMessage with the same Apple ID. They must be using two-factor authentication

    Verification is important for every user to sign up for the process

    Users must hold an eligible debit or credit card

    They must be 18 years of old

    Now, let’s unlock the mechanism of setting up Apple Pay Cash

    Having Apple Pay Cash on your mobile will bring a pop-up message in your iMessage. In case, you don’t follow the pop-up message you will have to opt for:

    Settings → Wallet & Apple Pay → Apple Pay Cash to run the same

    In order to process the transactions, Apple Pay Cash uses Green Dot bank and the Discover Network. It also makes use of users debit card for funds when users don’t have Apple Pay Cash balance. In case, you are going to add a debit card, remember the one that auto-populates may not be the debit card. In this scenario, opt for “Add a Different Card” by tapping the same. The Apple Pay Cash is available for you to use. However, it is important to verify first in order to avoid further issues while making the payments. Thus, it is important to verify the identity with the Apple right away.

    Way To Verify Your Identity For Apple Pay Cash

    In order to verify your identity for Apple Pay Cash, opt for:

    Settings → Wallet & Apple Pay → Apple Pay Cash

    Then swipe down below Card Details to find and tap on Verify Identity

    Users need to identify with their names, address, date of birth, and last four digits of social security number for a complete authentication

    After completing all these information Apple will show “verified” option after successful verification

    How to set up and use apple pay cash on your iphone

    How to use Apple Pay Cash

    After you are done with the account verification, it is time to know how to use Apple Pay Cash. Once you tap the App Store icon in iMessage, Pay will show up it as the very first option. From here, you can use either plus or the minus sign to adjust the amount. You can also tap on the middle to get the keypad icon in order to enter specific amount. You also need to select whether you are to send or to request the chosen amount.

    Once tapping the Request or Send button, the amount will be shown in the text field and you will be shown various windows to confirm the amount before sending it. Tap on the blue arrow next to payment method to change cards. If Apple Pay Funds are available in your wallet, it will be shown as Pay Cash Balance. iPhone X has a more authentic process as a double click of the side button initiates the payment with Face ID authentication.

    Other Ways Of Using Apple Pay Cash

    Besides opting for the above-explained way, you can just type “send $ 6 more for snacks.” As soon as you type a dollar sign with the amount, iOS 11 automatically creates a way that other users can tap on to instantly send the money via Apple Pay Cash. Sending cash with Siri is also possible by asking her for requesting or send the money.

    Using Apple Pay Cash in Stores/Online

    You can use your Apple Pay Card to make payments in stores, online or in apps. In order to make Apple Pay Cash your default browser on the iPhone X, you can double press the side button or double press the home button on other iPhones and iPads to get the wallet and pay. Some stores might ask you your debit pin when using Apple Pay Cash, which is 0000. It can be checked under Device Account Details in Settings. More information can be found on Apple Pay Cash Limit.

    Aparna is a growth specialist with handsful knowledge in business development. She values marketing as key a driver for sales, keeping up with the latest in the Mobile App industry. Her getting things done attitude makes her a magnet for the trickiest of tasks. In free times, which are few and far between, you can catch up with her at a game of Fussball.

    Apple Pay. A secure and easy way to pay with your iPhone.

    No more digging around for your Vancity debit card or credit card. Instead, just tap your iPhone at the store checkout and you’re done.

    Use Apple Pay wherever you see one of these symbols.

    A secure way to pay

    Every purchase is kept secure with Touch ID, Face ID, or your passcode.

    Your information stays private

    When you use Apple Pay, none of your private account information is stored or shared—not even your name.

    Tap for more than $100

    Enjoy higher transaction limits at some merchants when you use Apple Pay with your Vancity cards.

    What you will need to get started.

    Apple devices you can use with Apple Pay.

    • iPhone 6 or later (including iPhone SE) with the latest version of iOS.
    • Apple Watch paired with iPhone 6 or later.

    Visit the Apple Pay website for a complete list of other compatible Apple Pay devices, including iPads and Macs.

    Vancity cards you can use with Apple Pay.

    Vancity Member Card ™ debit card (personal)

    Vancity Member Card ™ debit card (business)

    enviro™ Visa* card

    To use Apple Pay, you’ll need to add your card(s) to your iPhone.

    1. Open the Wallet app on your iPhone
    2. Select ‘+’ and follow the simple instructions on your screen
    3. Follow these steps to add your card to other Apple devices

    Pay at the store checkout.

    To use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID.

    1. Hold the top of your iPhone close to the card reader screen
    2. Put your finger on the home button
    3. When you see ‘Done’ on your iPhone screen, the transaction is complete

    How to set up and use apple pay cash on your iphone

    With Face ID (with iPhone X only):

    1. Double-click the side button and look directly at the screen to confirm Face ID
    2. Hold the top of your iPhone close to the card reader screen
    3. When you see ‘Done’ on your iPhone screen, the transaction is complete

    Set your Vancity credit card or debit card as your default card.

    1. Open the Settings app on your iPhone
    2. Select ‘Wallet &Apple Pay’ and ‘Default card
    3. Select the Vancity card you want to use as your default card. You can learn more about it here.

    Banking with Vancity helps create a more vibrant local economy.

    Your money gets invested into local businesses, helping you and the people who live here prosper. Plus, when you pay with your credit card, you’ll earn valuable My Visa Rewards Plus points. Every year, five per cent of Vancity enviro™ Visa*’s profits go to support the enviroFund™ program, which invests in local, innovative solutions to improve the environmental well-being of our members and communities.

    Is Apple Pay secure?

    Yes, Apple Pay is a secure way to make transactions using your iPhone and Apple Watch. Every purchase is kept secure with Touch ID, Face ID, or your passcode to prevent strangers from using Apple Pay on your devices. Apple Pay also doesn’t store or share your private account information, including your name and your original card number. For more information, visit the Apple Pay Support site.

    How much does it cost to use Apple Pay?

    There are no additional fees to use Apple Pay. Paying with your Vancity debit and/or credit cards through Apple Pay is the same as paying with your physical Vancity debit and/or credit cards, so any fees associated with the cards still apply.

    Does Apple Pay have a transaction limit? Can I make purchases that exceed $100?

    No, unlike your tap enabled credit and debit cards, we have not set a $100 transaction limit (the spending limit for a single purchase) when you use Apple Pay with your Vancity credit and debit cards. However, if you have any daily spending limits on your chequing or savings card account, they will still apply. Merchants can also set their own transaction limits for tap payments and Apple Pay if they choose.

    What should I do if my iPhone gets lost or stolen?

    If you have a Find My iPhone locator app enabled on another device, such as another iPhone or iPad, you can put your missing iPhone in Lost Mode, track its location, and suspend or remove the ability to use Apple Pay on that device. You can also call our Member Services Centre (MSC) at 1-888-826-2489 from 8 am-8 pm Monday to Saturday and 10 am to 5 pm on Sundays, or our 24/7 Card Services at 1-800-611-8472 for help.

    In the meantime, Apple Pay has security features that prevent unauthorized use of your debit and/or credit cards. Each time you make a payment with Apple Pay, you need to authorize the purchase with your Touch ID, Face ID, or passcode. Apple Pay also doesn’t store or share your private account information on your device or with anyone else.

    Can I return an item I purchased using Apple Pay?

    Returning an item purchased using Apple Pay is similar to returning an item purchased using your physical debit or credit card. The cashier may need to look at the last four digits of your debit or credit card that was used to purchase the item or the Device Account Number, which can be found on your iPhone or Apple Watch. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your Vancity account statement; also, certain stores may only be able to process your return using your physical card, or by cash. Anytime you make a purchase, it’s always a good idea to inquire about the store’s return policies.

    How do Apple Pay transactions appear on my statement or in online banking?

    Apple Pay transactions appear on your statement as a regular transaction.

    Why is Vancity offering Apple Pay?

    We’re always looking for ways to make our members’ lives a little easier. It’s your money, and you should be free to manage it anytime, anywhere — securely and conveniently. That’s why we’re excited to introduce Apple Pay as another payment option for our members. If you have an iPhone, you probably already use it for many things. Now you’ll be able to use it to pay securely with your Vancity credit and debit cards when you’re on-the-go, while still supporting the local community.