How To Send Money Via Apple Pay In 3 Steps, With Photos / LightField Studios

Apple Pay effortlessly integrates Apple Cash, a useful feature. Similar to how you could with Venmo or Cash App, it enables you to give and receive money using iMessage. This premium service is a fantastic method for Apple users to send money to friends or family members, split bills, or pay off debts. But how do you actually send money using Apple Pay? Learn how by following the instructions and pictures below.

Why Send Money Via Apple Pay?

Whether you frequently use Apple Pay or you’ve never used it before and are curious about how it all works, you might be asking why anyone would ever send money using Apple Pay in the first place. Convenience, security, and exclusivity are the three key factors that influence why people choose to use the Apple Cash function to make payments. Let’s examine each of these three arguments in more detail below.


Convenience is one of the main motives for using Apple Pay to send money. Apple Cash simplifies the process of paying someone back by doing away with the need to exchange actual cash or checks. Additionally, it saves everyone a ton of time and work. One of the most practical methods for sending and receiving money is through Apple Cash, which offers quick transactions and seamless interaction with iMessage.


The importance of security in the sending of money cannot be overstated. Fortunately, Apple Pay and Apple Cash come with a wide range of effective security features to safeguard your financial activities. It s another big reason why people send money via Apple Pay. Your private financial information is protected by Apple Cash using the encryption technology already included in Apple Pay. With this, the service ensures your money and personal details are kept secure throughout the transaction process. Plus, you can enable two-factor authentication with your passcode or Face ID.

Apple iPhone face ID
Face ID adds another layer of security to the Apple Pay experience.



If you couldn t tell from the name, Apple Pay is exclusive to Apple devices. This is another big draw for sending money via Apple Pay: it allows you to manage your finances entirely within Apple s e-commerce ecosystem. Since Apple Pay and Apple Cash are already built into devices like the iPhone, iPad, and Apple Watch, you don t need to download additional apps or set up separate accounts to use the features. It s all conveniently accessible within the Wallet and iMessage apps.

How To Send Money Via Apple Pay

Now that we know why someone would send money via Apple Pay, let s talk about the steps required to do so. As we mentioned above, this service is exclusive to Apple users. Apple Pay and its Apple Cash feature cannot be used by Android devices or other branded tech outside of the Apple product line. Additionally, you need to make sure you and the recipient s Apple Pay accounts have been set up in the Wallet app before proceeding with the guide below.

Step One: Open iMessage

Apple Cash icon in iMessage.
Apple Pay s peer-to-peer payment service Apple Cash is contained entirely within iMessage.

First, open iMessage and start a new conversation thread with an iPhone user. Then, tap the Apple Cash icon in the row of apps above the keyboard. This will open the Apple Cash interface.

Step Two: Enter An Amount

$1 amount displayed on Apple Cash app in iMessage.
To send money via Apple Pay, enter your desired amount and hit Send.

Next, enter the amount you want to send via the iMessage Apple Cash interface. You can either swipe up to unveil a full keypad, tap Show Keypad, or use the Plus (+) and Minus (-) buttons to enter the desired amount.

Step Three: Hit Send

Sending $1 via Apple Cash in iMessage.
Your Apple Cash will send like an iMessage within your conversation thread.

Once you ve settled on an amount, hit the Send button. This will transfer the amount into a text box in your iMessage conversation thread. Then, hit the Up arrow to send the Apple Cash. The recipient will receive the amount instantly (as long as you have enough funds in your account).

With these three simple steps, you can send money via Apple Pay as often as you d like. You can send and receive up to $2,000 a week with this Apple Cash feature. Let s review:

  1. Open iMessage and start a conversation thread with a fellow Apple user
  2. Tap the Apple Cash icon from the row of apps above the keyboard and enter your desired amount
  3. Hit Send, then send the money via iMessage

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