How to Set Up and Use Apple Pay Cash on Your iPhone


The latest feature to hit iOS is Apple Pay Cash, which gives iPhone users a quick and easy way to send money to one another (as well as a way to spend money at stores without using a credit or debit card). Here’s how to set it up.

Unfortunately, Apple Pay Cash isn’t available for everyone, and there are a few stipulations that you have to meet:

  • It’s currently only available for users in the United States.
  • You must be 18 years old or older.
  • Your iPhone needs to be updated to at least iOS 11.2.
  • Two-factor authentication must be enabled for your Apple ID account.

If all of those describe you, then read on.

Setting Up Apple Pay Cash

To set up Apple Pay Cash, open the Wallet app and select the Apple Pay Cash card at the top.

Tap on “Set Up Apple Pay Cash”.

Hit “Continue”.

Accept the Terms and Conditions by tapping “Agree” down in the bottom-right corner.

Give it a few moments to set up. You’ll then be asked to link a debit card with Apple Pay Cash. This isn’t mandatory, but it is required if you want to add funds to your Apple Pay Cash balance (the only other way is for people to send you money through Apple Pay Cash).

During the setup process, you might be asked to verify your identity, which can include a combination of entering in your address, date of birth, social security number, or possibly even taking a photo of your drivers license. I’ve read that some users didn’t have to verify their identity at all, while others have said they’ve only had to enter in a couple of these details—your mileage may vary.

Once you’ve completed this step, Apple Pay Cash is all set up! Now to the fun part.

Sending Money to Friends & Family with Apple Pay Cash

Apple Pay Cash uses iMessage to send money to other users. So open up the Messages app and tap on a conversation thread of the person you want to send money to. Then tap on the Apple Pay Cash iMessage app at the bottom.

If the recipient doesn’t have an iOS device or doesn’t meet the above requirements, you’ll get a message that says they cannot receive payments using Apple Pay.

If they can accept Apple Pay Cash payments, you’ll see a dollar amount that you can change using the “+” and “-” buttons or pull up the keypad to enter in a custom amount. When you’re ready to send the money, tap on “Pay”.

You can then type in a quick note to accompany the payment and hit send.

You’ll then be prompted to scan your fingerprint using Touch ID (or Face ID for iPhone X users). By default, Apple Pay Cash will use your Apple Pay Cash balance first,…

Sasha Harriet

Sasha Harriet

As content editor, I get to do what I love everyday. Tweet, share and promote the best content our tools find on a daily basis.

I have a crazy passion for #music, #celebrity #news & #fashion! I'm always out and about on Twitter.
Sasha Harriet

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