How to Send Money With Apple Pay Cash on iPhone

There are lots of different ways to send payments from your iPhone, including on Facebook, PayPal, Venmo, and even Snapchat! With the rollout of iOS 11.2, there's a new, even more convenient way to send money to someone who needs a payment or loan, and to make payments as well! Now you can quickly and securely send money right from the Messages app on your iPhone, as long as the person you're sending money to has Apple Pay set up on their 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. Every payment is authenticated with either Face ID or Touch ID; so first things first, make sure you have Apple Pay set up, and then let's get started learning how to send money with Apple Pay Cash! 

Related: How to Set Up Apple Pay on Your iPhone

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

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. Now you don't even need to exit the text thread to make that happen!

  • Stay in Messages, and remain in the text thread with the person you'd like to send money to.
  • Tap the App symbol to the left of the text box.

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  • Tap the Apple Pay option and adjust the amount with the plus or minus symbols.
  • You can also tap on $1 and an option will appear to use your keypad. 

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  • After you've entered the correct amount, tap Pay.

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After this, you'll approve the payment with Face or Touch ID, depending on which iPhone you own. You can check to see if the payment was made in your Apple Wallet. Keep in mind, there's no fee for using Apple Pay Cash if you're using 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 iOS 11.2 to use this feature.

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Leanne Hays is a Feature Web Writer at iPhone Life.  She loves reading and blogging, and is never without a book in her purse or an audiobook on her phone. Short-term goals include finishing painting her house and starting an aquaponics farm, long-term goals include a bike tour of Italy and writing a novel.