How To Set Up Apple Pay Through Messages

(Pocket-lint) - Apple Cash is part of Apple Pay but it lives in Apple tree'southward Messages app, offer a style to transport, receive and asking money person-to-person.

All the money you lot receive via Apple Cash is loaded onto a virtual bill of fare that exists within Wallet - Apple'south app for storing credit cards, debit cards, loyalty cards, boarding passes, tickets, and more.

This is everything you need to know about Apple Cash - previously called Apple Pay Cash - including how it works, where it is available and how to set up it up.

What is Apple tree Pay, how does it piece of work, and how exercise you lot set it upward?

How does Apple Greenbacks work?

Apple Cash allows you to ship, receive and request money in the Messages app. It's also possible to ask Siri to pay someone in your contacts. When you transport money, your Apple Cash bill of fare will be used by default, simply yous can change this to employ your debit carte instead, or a combination of both if the amount is more than the balance on your Apple Greenbacks menu. If you lot send money to someone and they don't accept it, you lot can cancel the payment.

When you lot receive money through Apple Cash, it is automatically loaded onto your Apple Cash menu in Wallet, which you lot can and then transfer to your bank account, use equally any other menu when making Apple tree Pay purchases, or use to pay someone through Apple Cash.

The first fourth dimension you use Apple tree Greenbacks, you will have 7 days to accept the money you lot have been sent. Once you have accepted the terms and atmospheric condition, payments are automatically accepted - though yous tin can change this to be manual.

Below is a breakup of how to send money through Apple tree Greenbacks, request money through Apple Greenbacks, respond to an Apple Cash request and how to abolish an Apple Greenbacks payment.

Apple

How to send money through Apple Greenbacks

As mentioned higher up, when yous transport coin using Apple Cash, the Apple Cash card is used to pay first by default, though you tin modify this to exist your debit card if you wish. If y'all don't have enough coin on your Apple Greenbacks card, one of the debit cards in Wallet will fund the remainder of the payment.

To transport money through Apple Greenbacks on your iPhone or iPad, follow these steps:

Open the Messages app
Start a new chat or open an exisitng 1 with the person yous want to send money to
Tap on the Apple Pay logo in the app drawer below the input box - you may need to swipe across
Enter the amount you desire to pay
Tap Pay
Tap the ship push button to review or cancel the payment
Confirm your payment with Face ID, Impact ID, or your passcode

If you want to utilize your debit card instead of your Apple Greenbacks menu, follow steps 1-half dozen, then tap on the blue pointer next to the payment method. You'll and then need to toggle off Apple Greenbacks and choose the debit bill of fare you want to use. Tap Dorsum and then consummate step vii. You lot'll need to turn Apple Cash back on if you lot desire to use information technology as your default payment again.

To transport money through Apple Cash on your Apple Watch, follow these steps:

Open the Letters app
Tap an existing conversation
Scroll down, and then tap the Apple Pay button, which is a dollar sign in a blue circumvolve
Tap the minus sign or the plus sign to change the amount
Tap on the amount in the bulletin, then you tin can utilize the Digital Crown to change the amount
Tap Pay, so review or cancel the payment
Double-click the side button

Yous could too enquire Siri. To exercise this, on your iPhone or Apple tree Spotter, say "Hey Siri," then something like, "Send 25 dollars to Jane for pic tickets." You'll then need to cull Wallet or Apple tree Pay.

Apple tree

What is Apple Cash, how does it work, and how do you set it up? photo 6

How to request money through Apple tree Cash

You tin transport a request for money through Apple Greenbacks in the Messages app and the recipient can tap Pay, then alter or confirm the amount they want to send.

To asking coin through Apple Greenbacks on your iPhone or iPad, follow these steps:

Open a conversation in the Messages app or start a new conversation with the person you lot want to request money from
Tap the Apple Pay button in the app drawer beneath the input box
If you don't see the Apple Pay push, tap the App Store button on the left of the input box first
Enter an amount
Tap Request
Ship your request

To request money through Apple Cash on your Apple tree Watch, follow these steps:

Open the Messages app and choose a conversation with the person you desire to request money from
Tap the Apple tree Pay push - the blueish circle with the dollar sign
Enter an amount
Swipe on the Pay push to show the Request button
Tap Request

Apple

How to respond to an Apple tree Cash request

To reply to an Apple Cash request in Letters on your iPhone or iPad, follow the steps beneath:

Open the request in the Messages app
Tap Pay on the message
Review the corporeality to send
Tap Pay to keep, or change the amount
Confirm using Face ID, Impact ID, or your passcode and send your payment

To respond to an Apple Cash request in Messages on your Apple Watch, follow the steps below:

Open the request in the Messages app
Tap Pay on the message
Review the amount to send.
Tap Pay to go along, or use the Digital Crown to change the amount
Double click the side push to ostend and send your payment

To decline a request for money, merely ignore the message.

Apple

How to cancel an Apple Cash payment

If y'all desire to cancel an Apple tree Cash payment, follow the steps below:

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Open the Messages app
Open the conversation with the person you accept made the Apple Cash payment likewise that you want to cancel
Tap on the payment
Your Apple Greenbacks card volition open in the Wallet app
Under Latest Transactions, tap the payment, then tap information technology once again
Tap Cancel Payment

If Cancel Payment isn't an option, the person you sent the payment besides has already accepted the money.

Apple

How to automatically or manually accept Apple Cash payments

As we mentioned higher up, the outset time you use Apple Cash, you will have to seven days to take the money sent to you, afterwards which you accept the terms and conditions and so payments are automcatically accepted by default. It'south possible to modify this to transmission however, which will mean you will meet an Accept button on any money you lot are sent through Apple tree Greenbacks.

You lot then take vii days to have the money. If you want to turn down it, open the Wallet app on your iPhone > Tap your Apple tree Cash card > Find the payment nether Latest Transactions > Tap the payment > Tap the payment once more > Tap Reject Payment.

To choose betwixt automatic or transmission accepting of payments on your iPhone:

Open the Wallet app on your iPhone
Tap your Apple tree Cash menu
Tap the 3 dots
Tap Automatically Accept Payments or Manually Accept Payments

To cull between automated or manual accepting of payments on your iPad:

Open the Settings app on your iPad
Scroll downwardly and tap Wallet & Apple tree Pay
Tap your Apple Cash card
Tap Automatically Accept Payments or Manually Accept Payments

To choose between automatic or manual accepting of payments on your Apple Scout:

Open the Apple tree Watch app on your iPhone
Scroll down and tap Wallet & Apple Pay
Tap your Apple tree Cash card.
Tap Automatically Accept Payments or Manually Accept Payments

Where does Apple Greenbacks work?

Apple Cash works wherever Apple tree Pay is supported, which is anywhere that contactless payment is supported.

Not simply tin you use funds in your Apple Cash card to send and receive money via Letters, but yous can also use it to brand Apple Pay purchases at retail locations, on the spider web, and in apps.

You tin can even transfer Apple Cash funds to your own bank account or eligible Visa or Mastercard debit carte. You tin can detect out more than about how to do that on Apple's Support page.

What practice you demand for Apple Greenbacks?

To transport and recieve coin in the Letters app person-to-person using Apple Cash, you lot'll need to have all of the following:

Be at to the lowest degree xviii or over
Live in the United States
Have a uniform device running iOS eleven.2 or later or watchOS 4.2 or later
Set upwards 2-cistron authentification for your Apple tree ID
Sign into iCloud with your Apple ID on any device that you want to apply to send or receive money
Add an eligble debit card in the Wallet app so you can send coin

Which devices support Apple Greenbacks?

Apple Greenbacks is bachelor on iPhone, iPad, and Apple tree Sentry running iOS xi.two or later on or watchOS iv.2 or later. The following devices are compatible with Apple Cash, but remember, you take to alive in the US:

iPhone models with Face ID
iPhone models with Touch ID (excluding the iPhone 5S)
iPad Air, iPad, and iPad mini models with Touch ID or Face up ID
Apple tree Sentry Series i and 2 and later
Apple Watch (1st generation)

Apple

How to set up Apple tree Cash

To prepare up person-to-person payments through Messages using Apple Cash, follow the steps below:

Open the Settings app on your compatible iPhone or iPad
Scroll down and tap on Wallet & Apple Pay
Toggle Apple Cash on
Nether Payment Cards, tap on Apple Cash
Tap Keep and follow the instructions on your screen

Apple tree

What is Apple Cash, how does it work, and how do you set it up? photo 11

How to set up Apple Greenbacks for a child or teen

It's as well possible to gear up Apple Greenbacks for a family member that is under 18 and in your Family Sharing group and so they too can make purchases, and send and receive coin in Letters. You can limit who your child or teen tin can send coin to, get notified when they brand transactions, and lock their account.

The family organiser has to ready Apple Cash upwards for the child or teen, and they will need to use the same Apple ID for Apple Cash equally they did for setting upwards Family unit Sharing.

They will also need to have a uniform iPhone, iPad or Watch running the latest iOS, iPadOS or watchOS software. They volition besides need to sign in to iCloud on each family fellow member's device using their Apple ID, plow on ii-factor authentification for each Apple ID and make sure each device region is set to the Us.

If you can tick all those boxes, these are the side by side steps:

On the family organiser's iPhone, open the Settings app.
Tap [your name], then tap Family Sharing.
Tap Apple Cash, then cull a child or teen.
Choose Ready Apple Cash.
Follow the instructions on your screen to prepare upward their business relationship. You lot might demand to verify your identity. If you see Awaiting, make sure your kid meets the requirements.

You can read more near how to manage your kid's Apple tree Cash accounts here.

Are at that place any limits for Apple Greenbacks?

In brusk, aye. There are limits for non only your Apple tree Cash bill of fare residue, the amount you tin can ship and receive in a Bulletin, equally well as how much you can transfer to your bank account.

The maximum Apple Cash residuum you're allowed to have after verifying your identity is $20,000. This is reduced to $4000 if you are office of Apple Greenbacks Family.

The minimum corporeality you tin can send or receive using Apple Cash is $one. The maximum is $10,000. There's also a $ten,000 maximum inside a seven-day period. If you are function of Apple Cash Family, the minimum stays the same merely the maximum is capped at $2000, as is the seven day maximum.

When adding money to your Apple Greenbacks card, the minimum is $10, the maximum is $ten,000 and there'due south also a maximum of $ten,000 inside a seven-day period again. For Apple tree Cash Family users, the minimum remains at $10 merely the maximums reduce to $2000.

Apple

How to add money to Apple Cash

You can add money to your Apple Cash card residuum by using a debit card or prepaid menu that you have already gear up in Apple Pay. If you have an Apple Card - only available in the US as well - yous get a percentage of each purchase yous make using the card that is called Daily Cash. Daily Greenbacks is loaded directly onto your Apple Cash carte du jour besides.

To add coin to your Apple Cash card using your iPhone or iPad:

Open up the Wallet app (iPhone) / Open Settings and tap on Wallet & Apple Pay (iPad)
Tap on your Apple Cash card
Tap the three dots in the circle
Tap Add Money
Enter an amount (minimum is $10)
Tap Add
Confirm the US debit or prepaid card that yous want to employ to add together money
To employ a different debit or prepaid card, tap the blue arrow side by side to your card, then choose a bill of fare
Ostend with Face up ID, Touch ID, or passcode

Apple

Are in that location any fees for Apple tree Pay Cash?

Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank. There'south no fee to send, receive, or asking money using Apple tree Cash. Setting up Apple Cash as well won't touch on your credit and it won't be impacted by whatsoever credit freezes.

Where you will pay a fee is if yous select Instant Transfer when transferring coin to a debit card. A 1.5 per cent fee (with a minimum fee of $0.25 and a maximum fee of $xv) is deducted from the amount of each Instant Transfer.

There are no fees for transferring Apple Cash funds to your bank account.

Where is Apple Pay Greenbacks bachelor?

Apple Pay Cash is merely available in the United states. There'due south no word yet on UK availability at the moment.

Writing by Britta O'Boyle.