How to Request & Receive Cash in Apple Pay

* This post is part of iPhone Life's Tip of the Day newsletter. . *

Requesting and receiving money on iPhone isn't a brand new feature; there are lots of different ways to ask for and collect payments from your iPhone, including on FacebookPayPal, Venmo, and even Snapchat! With the rollout of iOS 11.2 though, there's a new, even more convenient way to request a payment from a friend or customer who owes you money, and to receive that payment as well. Now you can quickly and securely request and receive payments right from the Messenger app on your iPhone. The great part about this is that you don't need to set up any new accounts or download an app, you can use the Apple Pay Cash feature right within your normal text messages, as long as you already have Apple Pay set up. First things first, make sure you have Apple Pay set up, and then let's get started learning how to request and receive money with Apple Pay Cash! 

Related: How to Send Money With Apple Pay Cash in iOS 11.2 on iPhone

How to Request a Payment in Apple Pay

You'll need an iPhone 6 or later that is updated to iOS 11.2 or later to use this feature.

  • In the Messages app, open or start a text conversation with the person you'd like to receive a payment from.
  • Tap the App symbol to the left of the text input box.
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  • Tap the Apple Pay option and adjust the amount with the plus or minus symbols.
  • For larger amounts, or amounts including less than full dollar amounts, tap on $1 and an option will appear to use your keypad. 
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  • After you've entered the correct amount, tap Request.
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How to Receive a Payment in Apple Pay

Payments are automatically received and kept in Apple Pay Cash. Once a payment is received you should be able to spend it right away, unless Apple decides to do an account security check for some reason. Once the payment has cleared, you can keep it in your Apple Pay account, or transfer it to your bank account. 

If you're not comfortable with the idea of accepting payments automatically, you can change your settings to Manually Accept Payments.

You only have seven days to accept the payment the first time you use Apple Pay Cash. If you've chosen not to accept automatic payments, keep this in mind! After you've accepted payment, you can check to see if the payment was received in your Apple Wallet.  Next, learn how to use Apple Pay cards on your Apple Watch!

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Author Details

Leanne Hays's picture

Author Details

Leanne Hays

Leanne Hays is a Feature Writer at iPhone Life, and has written hundreds of in-depth how-to and troubleshooting articles. She's a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source, as well as web content for education marketing. Leanne has an associate's degree in education, with a focus on curriculum development, as well as a bachelor's degree in science. She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she's only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader's lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.

In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.