Apple Cash: How to Send Money through Apple Pay in the Messages App

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

If you haven't learned how to use Apple Cash yet, you should try it. Apple Cash is Apple's peer-to-peer payment service that lets iPhone users send money with Apple Pay. There are lots of different ways to send payments from your iPhone, including on FacebookPayPalVenmo, and even Snapchat, but the great part about Apple Cash is that you don't need to set up any new accounts or download an app. You can quickly and securely send Apple Cash from within iMessages either using your Apple Cash Card balance or a debit or credit card that works with Apple Pay. So, let's get started learning how to use Apple Cash to send money! 

Related: Apple Card: How to Apply for & Use the Apple Credit Card

Say you're chatting with a friend about a concert you're going to attend; she's buying the tickets so you can sit together, and you'll pay her back. As long as you and your friend have set up Apple Pay on your iPhones, you don't even need to exit the text thread to make that happen! You can also open a new thread in the Messages app to make an Apple Cash payment.

  1. In the Messages app, remain in the text thread with the person you'd like to send money to, or start a new thread.
  2. Tap the App Store icon to the left of the text box.

    apple pay in messagesapple card
  3. Tap the Apple Pay option and adjust the amount with the plus or minus symbols.
  4. You can also tap on $1, and an option will appear to use your keypad. 

    card walletadjust how much apple cash to send
  5. After you've entered the correct amount, tap Pay.

    apple credit card
  6. After this, you'll approve the payment with Face or Touch ID, depending on which iPhone you own. 
  7. You can check your Apple Pay history to make sure the payment was made.
  8. Later if you receive money, you can keep it on your Apple Cash Card, or you can transfer your Apple Cash to your bank account. 

Keep in mind, there's no fee for using Apple Pay if you're using your Apple Cash Card balance or a debit card, but with a credit card, you'll be charged a 3% fee. Also, you'll need an iPhone 6 or later that is updated to at least iOS 11.2 to use this feature.

For more quick and easy tutorials about how to use your iPhone, subscribe to our free Tip of the Day.

Master your iPhone in one minute a day: Sign up here to get our FREE Tip of the Day delivered right to your inbox.


Author Details

Leanne Hays's picture

Author Details

Leanne Hays

Leanne Hays is an SEO Content Strategist and 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.