Apple Pay Cash: The All-New Convenient Way to Bank

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Apple Pay Cash, much like Venmo and PayPal, is a peer-to-peer payment service that allows users to transfer money easily through the iOS interface.

To take advantage of this feature, the user must first activate Apple Pay Cash on their device via the instructions below:

1. Open the Wallet app
2. To set up Apple Pay, tap “Add Credit Card or Debit Card”
3. Follow the on-screen instructions and tap “Set Up Touch ID & Passcode”
4. If you already have Touch ID & Passcode enabled, you will not need to set one up for Apple Pay

Once your payment information is saved to the Wallet app:

1. Open any conversation in Messages
2. Tap the Messages App Store icon
3. Choose the “Apple Pay” icon
4. Tap the “+” or “-” buttons to enter an amount
5. Tap “Request” or “Pay”
6. Press the blue arrow to send

In the Wallet app, the money you’ve sent is listed as “pending” after sending a payment. This status will remain until the recipient accepts it, and all paid transactions are listed under “Last Transaction.”

There is no charge for sending money via Apple Pay Cash or a debit card, however, there is a 3% fee for using a credit card. After receiving your funds, it may be added to your Apple Pay Cash card in the Wallet app, or transferred to any bank account.

Apple Pay Cash is now available for iPhone 6 and later, iPhone SE, all iPad Pro models, the fifth-generation iPad, iPad Air 2, and iPad mini 3 models running iOS 11.2.