Apple Pay Cash, Apple’s peer-to-peer payments service, which has now launched became available for developers and public beta testers in the United States this morning with the release of the second iOS 11.2 public beta. Apple Pay Cash, lets you pay your mates over iMessage, or by using Siri.
What is Apple Pay Cash?
The feature lets you create your own virtual debit card – the Apple Pay Cash card once you’ve linked your bank account to Apple Pay. You can then add money to this card, send money to your friends, receive money and withdraw money to your bank account. There is no fee for using Apple Pay Cash.
The feature works using an iMessage app, Siri and on the Apple Watch as well.
How to Enable Apple Pay Cash
To enable this feature, you’ll first need to turn on 2-factor authentication on your linked iCloud account.
Step 1: Go to Settings -> Wallet & Apple Pay and toggle on Apple Pay Cash.
Step 2: You’ll see your Apple Pay Cash card below (it will say Not set up). Tap on the Apple Pay Cash card that appears there.
Step 3: Tap on Continue, agree to the terms and wait for Apple Pay to talk to your bank account. If everything works fine, you’ll find that your Apple Pay Cash card was created.
Step 5: Once activated, an Apple Pay Cash card will appear in Wallet and you’ll be able to access Apple Pay Cash in the Wallet app.
Alternatively, you can also use the Settings app to enable Apple Pay Cash. Go to Settings > Wallet > Apple Pay > Apple Pay Cash and tap the button to toggle it on. Sometimes this option won’t show up until it’s been activated through the Wallet app, though.
How to Add Money to Apple Pay Cash
To send money, you’ll need to add money. This is really easy to do. And of course, it works using Apple Pay.
Step 1: From the Wallet & Apple Pay section tap on Apple Pay Cash.
Step 2: Here, tap on Add Money.
Step 3: Select the amount and tap on the Add button.
Step 4: Authenticate using Touch ID or Face ID and you’re done.
Sending and Requesting a Payment
- Open a conversation in Messages.
- Tap the Messages App Store icon.
- Choose the “Apple Pay” icon.
- Tap the “+” or “-” buttons to enter an amount, or use the keyboard.
- Tap “Request” or “Pay.”
- You’ll have an option to preview your payment or request for payment.
- Press the blue arrow button to send.
When sending a payment, the money you’ve sent will be listed as “pending” in the Wallet app until the person on the receiving end accepts. Once accepted, the payment will be listed in “Last Transaction” under the Apple Pay Cash card in Wallet. While still pending, a payment can be cancelled.
To use Apple Pay Cash, the following requirements must be met:
- Both parties must be running iOS 11.2 beta 2.
- An iPhone 6 or later must be used.
- Two-factor authentication must be turned on.
- You must be at least 18 years old.
- You must be in the United States with a U.S. credit/debit card and social security number if verification is required.
- An eligible credit or debit card must be available in Wallet.
Along with iPhones and iPads running iOS 11.2 beta 2, Apple Pay Cash can also be used on the Apple Watch on devices that are running the second watchOS 4.2 beta. Sending money from an Apple Watch follows the same general process as the iPhone, with payments made and received through the Messages app.