How to Send Money With Apple Pay Cash on iPhone

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

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.

apple pay in messagesapple card

  • 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. 

card walletuse apple pay in messages on iphone

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

apple credit card

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's picture

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.