How to Send Money via Apple Pay in 3 Steps (With Photos)

Apple pay

How to Send Money via Apple Pay in 3 Steps (With Photos)

Key Points

  • Apple Cash allows users to send and receive money through iMessage, providing convenience, security, and exclusivity.
  • Apple Cash uses Apple Pay’s encryption technology to protect financial transactions and can be secured with two-factor authentication.
  • To send money via Apple Pay, open iMessage, tap the Apple Cash icon, enter the desired amount, and hit send.

Apple Cash is a convenient feature that works seamlessly through Apple Pay. It allows you to send and receive money over iMessage, much like you would with Venmo or Cash App. This exclusive service is a great way for Apple users to make person-to-person payments, split bills, or pay back friends. But how do you send money via Apple Pay in the first place? Follow along with these steps and photos below to learn how.

Why Send Money Via Apple Pay?

No matter if you’re a frequent Apple Pay user or a first-timer looking to learn how it all works, you might be wondering why someone would even send money via Apple Pay in the first place. Typically, there are three main reasons for a person to pay someone with the Apple Cash feature: convenience, security, and exclusivity. Let’s take a closer look at each of these three reasons below.


One of the primary reasons people send money via Apple Pay is for convenience. Apple Cash eliminates the need to exchange physical cash or checks, streamlining the process of paying someone back. Plus, it saves a great deal of time and effort for everyone involved. Apple Cash’s instant transfers and seamless integration into iMessage make for one of the most convenient ways to send and receive funds.


When it comes to sending money, security is seriously important. Thankfully, Apple Pay and Apple Cash are equipped with an arsenal of robust security measures to protect your financial transactions. It’s another big reason why people send money via Apple Pay. Apple Cash uses Apple Pay’s built-in encryption technology to safeguard your sensitive financial information. With this, the service ensures your money and personal details are kept secure throughout the transaction process. Plus, you can enable two-factor authentication with your passcode or Face ID.

Apple iPhone face ID
Face ID adds another layer of security to the Apple Pay experience.



If you couldn’t tell from the name, Apple Pay is exclusive to Apple devices. This is another big draw for sending money via Apple Pay: it allows you to manage your finances entirely within Apple’s e-commerce ecosystem. Since Apple Pay and Apple Cash are already built into devices like the iPhone, iPad, and Apple Watch, you don’t need to download additional apps or set up separate accounts to use the features. It’s all conveniently accessible within the Wallet and iMessage apps.

How to Send Money Via Apple Pay

Now that we know why someone would send money via Apple Pay, let’s talk about the steps required to do so. As we mentioned above, this service is exclusive to Apple users. Apple Pay and its Apple Cash feature cannot be used by Android devices or other branded tech outside of the Apple product line. Additionally, you need to make sure you and the recipient’s Apple Pay accounts have been set up in the Wallet app before proceeding with the guide below.

Step One: Open iMessage

Apple Cash icon in iMessage.
Apple Pay’s peer-to-peer payment service, Apple Cash, is contained entirely within iMessage.


First, open iMessage and start a new conversation thread with an iPhone user. Then, tap the Apple Cash icon in the row of apps above the keyboard. This will open the Apple Cash interface.

Step Two: Enter An Amount

$1 amount displayed on Apple Cash app in iMessage.
To send money via Apple Pay, enter your desired amount and hit “Send.”


Next, enter the amount you want to send via the iMessage Apple Cash interface. You can either swipe up to unveil a full keypad, tap “Show Keypad,” or use the Plus (+) and Minus (-) buttons to enter the desired amount.

Step Three: Hit Send

Sending $1 via Apple Cash in iMessage.
Your Apple Cash will send like an iMessage within your conversation thread.


Once you’ve settled on an amount, hit the “Send” button. This will transfer the amount into a text box in your iMessage conversation thread. Then, hit the Up arrow to send the Apple Cash. The recipient will receive the amount instantly (as long as you have enough funds in your account).

With these three simple steps, you can send money via Apple Pay as often as you’d like. You can send and receive up to $2,000 a week with this Apple Cash feature. Let’s review:

  1. Open iMessage and start a conversation thread with a fellow Apple user
  2. Tap the Apple Cash icon from the row of apps above the keyboard and enter your desired amount
  3. Hit “Send,” then send the money via iMessage

As you can see, sending money through Apple Cash is as easy as one, two, three! If you’d like to learn more about sending money through Apple Cash, including hardware and software requirements and more, check out this video from Insider Tech.

Summary Table

1Open iMessage and tap the Apple Cash icon
2Enter the amount you want to send
3Hit Send and confirm the transaction

Frequently Asked Questions

What is Apple Cash?

Apple Cash is a feature that allows users to send and receive money easily and securely within iMessage. It’s an extension of Apple Pay, functioning as a digital wallet within your Apple device and enabling you to store funds and transfer them to your contacts.

How do you set up Apple Cash?

Setting up Apple Cash is as simple as setting up Apple Pay. Just open the Wallet app on your device, tap on the Apple Cash card, and follow the prompts to add your payment card. Once your card is linked, you can start sending and receiving money immediately.

Is it safe to use Apple Cash?

It is absolutely safe to use Apple Cash. Apple prioritizes security and employs encryption technology to protect your financial transactions via Apple Pay and Apple Cash. Additionally, before any payment is authorized, authentication methods like Face ID, Touch ID, or your device passcode are required to ensure only you can access your funds.

Can you use Apple Cash for online purchases?

Apple Cash is primarily designed for person-to-person transactions. However, Apple Pay is perfectly suited for online purchases within apps and websites that accept it as payment.

How do you transfer money from Apple Cash to your bank account?

To transfer money from Apple Cash to your bank account, open the Wallet app and tap on the Apple Cash card. Then, tap on “Transfer to Bank.” Follow the instructions to link your bank account, enter the transfer amount, and confirm the transfer. The money will be securely transferred to your bank account within 1 to 3 business days.

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