How To Pay Someone With Apple Pay On Your iPhone

How To Pay Someone With Apple Pay On Your iPhone

An Apple user can pay for products by utilizing Apple Pay with their iPad, iPhone or Apple watch at stores and can also do online shopping with applications. Apple Pay increased the functionality by allowing a user-to-user money transfer service that Permits you to send and receive money easily as text messages. But if you are unfamiliar with this new update, you can go through the article till the end to learn “How To Pay Someone With Apple Pay On Your iPhone.

Before learning how to Apple Pay Someone with your iPhone, let’s get familiar with what Apple Pay is.  Apple Pay was first rolled out in 2018 and can be synced to a debit or credit card. You can fix a credit card for regular payments and a debit card for Apple Pay to decrease the transaction amount because Apple Pay permits you to include more than one card. The money you get from Apple Cash can then be used to buy things, or it can be combined with your Apple Card to pay down a balance or earn cashback incentives. That’s how one can pay from their Apple Pay to another from their iPhone.

When one receives an Apple Pay request, it is attached to Apple Wallet as an Apple Pay online card that can be utilized in purchasing with Apple Pay, etc. You must be 18 years or older and a US resident to avail of this facility, and if you have this, you’ve to switch on two-factor authenticity (2FA) for your Apple account. 

Because so many people own an iPhone, using Apple Pay to send money or request cash could be handy. But how do you use Apple Pay to make a payment? It can be a little bit mind-boggling if you have never sent a payment by using this method before. However, once you’ve set it up, making subsequent payments and requests is simple. If you’ve never used Apple Pay before, this article will show you how. Note that Apple Pay can only be used to pay friends and family in the United States.

Using Apple Pay Is Simple

You may quickly make payments to people using iMessage once you’ve set up your Apple Wallet, as long as they utilize iMessage and are in the United States. Text conversations can now be used to send money to pals or to seek money. If you receive money in the mail, withdrawing it to your bank account allows you to spend it outside of Apple Pay.

Apple Pay is a helpful feature that is becoming more important and getting accepted all around the world, setting up its place in the market making others’ lives easier in the upcoming times.

Let’s have a deeper understanding of How To Pay Someone With Apple Pay On Your iPhone below!

Apple Pay – Send and Receive Money

To transfer and get an amount in the texting application, one can use Apple Cash or Cards in the Wallet application.

Observe what you require to learn and use Apple Pay to transfer, get or request for an amount in Texts if you are a beginner :

How To Pay Someone With Apple Pay On Your iPhone?

How To Pay Someone With Apple Pay On Your iPhone

While utilizing Apple Pay to transfer money through the Text application, your Apple card is utilized automatically. The user can use a debit card to transfer money directly if they want.

1. Using An iPhone Or iPad

  • Initiate a new conversation or open an old one in the Text app.
  • Apple Pay can be accessed by tapping the Apple Pay button or the Apple Pay icon. In case you can’t observe the Apple Pay option, click on the App Store symbol first.
  • Fill in the amount you’d like to send.
  • To review or cancel the payment, press Pay, then tap the Send symbol.
  • Use Face ID, Touch ID, or your passcode to confirm your purchase.
  • You can cancel a payment if the person to whom you transferred money has not yet accepted it.

2. Respond To A Monetary Request

  • In the Texting application, click on the request option and open it and then hit the Pay option on the text message.
  • Examine the amount to be sent. To continue, tap Pay, or adjust the amount.
  • Assure your payment with Touch ID, Face ID or your Password.
  • Ignore the notice if you want to say no to a money request.

3. Using The Apple Watch

  • Tap an existing discussion in the Messages app.
  • Later on, click on the App Store option, after the Apple Pay button.
  • To modify the amount, tap the minus or plus sign.
  • After you’ve tapped Pay, you can review or cancel your payment.
  • To send your payment, double-click the side button.

4. Inquire With Siri

Call “Hey Siri” to your iPhone or Watch, then say “Transfer $25 to Ramsy for metro tickets”. Then choose Wallet or Apple Pay as your mode of Payment.

What Is The Best Way To Accept A Payment?

What Is The Best Way To Accept A Payment

You have a week to accept or deny the amount you have been sent. After one agrees to the terms, transactions are approved and applied by default to your Apple Pay. You may have to cross-check your identity.

When you get money from someone, it is safely received and stored in Apple Cash. You can mail the money to someone straight away, use Apple Pay to spend it, or transfer it to your bank account or suitable debit card.

You have the option to cancel a payment if the recipient does not accept it.

How To Make A Payment Request

When you send someone an Apple Pay payment request, they can hit Pay, adjust or confirm the amount they wish to send, and then send it.

1. Utilizing Your iPhone

  • Enter an old chat or begin a brand new one in the texting application.
  • Select Apple Pay from the drop-down menu—icon for Apple Pay. If you can’t observe the Apple Pay option right away, first tap the App Store icon.
  • After you’ve entered a sum, hit Request.
  • Please submit your request.
  • Open the Messages app on your Apple Watch and select a discussion.
  • Followed by a click on the App Store option and then the Apple Pay button.
  • After you’ve entered an amount, slide on the Pay button to reveal the Request button.
  • Requests should be tapped.

2. Accept Payments Either Automatically Or Manually

If you wonder how To Pay Someone With Apple Pay On Your iPhone, there are two ways to do so: manually or automatically.

  • Tap your Apple Cash card in the Wallet app on your iPhone.
  • More can be accessed by tapping the More symbol.
  • Select either Automatically Accept Payments or Manually Accept Payments from the drop-down menu.

When one transfers an amount to you, you will automatically observe the Allow option in the text application if you choose Manually Accept Payments and for that, you have a week.

Enter into the Wallet application on your iPhone, tap on Apple Pay Card, then search for the Payment option below Recent Transfers to neglect it. Click the Payment option once again, then click Reject Payment to neglect it. 

When you make a modification on one of your devices, it affects all of your other devices.

3. When using your iPad

  • Open the Settings app on your phone.
  • Scroll to the bottom of the screen and tap Wallet & Apple Pay, then your Apple Cash card.
  • Choose either Default Accept Payments or Manually Accept Payments from the list given there.

4. Using The Apple Watch

Another best method on how To Pay Someone With Apple Pay On Your iPhone is by using your Apple Watch:

  • On your iPhone, open the Apple Watch app.
  • Swipe to the base of the screen, click on Wallet, and then Apple Pay. Then tap on your Apple Pay Card.
  • Choose either Accept Payments by Default or Manually Accept Payment mentioned in the menu.

How To Dispute Or Cancel A Payment

How To Dispute Or Cancel A Payment
  • Open the Messages app, then tap the payment option in the discussion.
  • Your Apple Cash card will appear in the Wallet app. Tap the payment under Recent Transactions, then tap it again.
  • Select Cancel Payment from the menu.

If Cancel Payment is not available, the person has already accepted the payment. Instead, request that the recipient give the money back to you.

Depending on your bank or card provider, the money may take 1-3 business days to be returned.

One should Transfer and receive money from only the known ones through Apple Pay because it’s the same as a private transaction that takes place between two people. 

What You’ll Require

To Pay Someone With Apple Pay On Your iPhone, these are the basic requirements.

  • The sender and the receiver of the money should be both: 2
  • Keep a compatible device with the latest version of the iPhone or Apple Watch.
  • Log in to iCloud and iMessage with the same Apple ID on any device you use to transfer or receive money and use two-factor authentication (2FA) with your iPhone’s ID. 

In case you are sending an amount to another user, make sure you check your Apple Pay Card or a debit card in Wallet to have enough funds.

Wrap Up:

So, here’s how to pay someone with Apple Pay. You must be at least 18 years old and a resident of the United States to use Apple Pay to send and receive money. If you’re under 18 in the United States, your family organizer can set you up as an Apple Cash Family member. Then, you may use Apple Pay to send and receive money. Green Dot Bank, Member FDIC, offers Apple Pay and the Apple Cash card for sending and receiving money.


Q. Is There A Limit On How Much You Can Pay With Apple Pay?

No. Unlike contactless card payments, which have a £100 maximum, Apple Pay has no such restriction. It means you can use your iPhone or Apple Watch to pay for your weekly groceries or fill up your car with gas.

Q. What Banks And Credit Cards Accept Apple Pay?

Although you must use a participating bank, Apple Pay is currently supported by the majority of major banks. Click the relevant links below to see a complete list of all the banks supported in each country:
Banks from Canada, Latin America, and the United States are among the participants.
Banks from Europe and the Middle East are among the participants.
Asia-Pacific banks that are taking part

Q. Is Apple Pay Accepted In A Variety Of Locations?

Apple Pay is easily accessible without a contact payment method. If you observe the contactless symbol or Apple Payment QR around the checkout center, everyone will accept Apple Pay.

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