How To Receive Money On Apple Pay In 3 Steps, With Photos

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Knowing how to receive money onApple Payopens up a whole new world of convenience and simplicity. With just a few taps on your iPhone, iPad, or Apple Watch, you can instantly accept funds from friends, family, or even professional clients. Whether you re splitting a bill, collecting a payment for a service, or receiving a gift, Apple Pay is the secure and hassle-free way for Apple users to receive money directly from theirdigital wallet. But how do you learn this skill? Follow along with our guide below.

What Is Apple Cash?

Apple Cashis not the same as Apple Pay. While these two payment services sound similar, they serve unique purposes within the Wallet app. Apple Cash is a convenient and secure way to send and receive money from one iMessage-enabled device to another. It s one important part of the much larger Apple Pay system. Broadly speaking, Apple Pay allows users to make easy and secure transactions in stores, online, and through apps. Conversely, Apple Cash stores all transactions exclusively in iMessage.

iMessage app on iPhone screen.
Apple Pay s Apple Cash feature is located within the iMessage app.

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To be clear, you couldn t have Apple Cash without Apple Pay. However, setting up Apple Pay doesn t automatically set you up with Apple Cash. To establish an Apple Cash account, you must link a debit or credit card to your account even if you ve already done so on Apple Pay. With this, you can start adding money directly to your Apple Cash account. This allows you to have funds available to send over iMessage. You can also receive money from others, like friends or family, directly into your Apple Cash account.

Apple Cardusers can build up additional Apple Cash through the Apple Card s cash-back offers. You can shop with your Apple Cash balance through Apple Pay, or send it to a linked card or bank account through the Wallet app. Either way, you can rest easy knowing your money is safe and secure within the Wallet. Apple relies on industry-leading security measures and safety features to protect your finances. Additionally, all Apple Pay transactions need approval by Face ID, Touch ID, or passcode.

How To Receive Money On Apple Pay

Now that you understand Apple Cash, let s walk you through the steps to receive your money. Keep in mind: You ll need an Apple Pay-compatible device for this walkthrough. This includes the iPhone 6 or later, the iPad 5th generation or later, the iPad mini 3 or later, and the Apple Watch. For a full list of compatible devices, check Apple s website.

Step One: Open Wallet

Apple Cash card within the Wallet app on iPhone.
Go to your Apple Cash card in your Wallet to change how you receive money on Apple Pay.

First, open up the Wallet app. Tap the Apple Cash card to begin the setup process (if you haven t done so already).

Step Two: Tap Card Details

Apple Cash card options in the Wallet app on iPhone.
More Apple Cash settings are located in the Wallet app under the More menu.

After setup, tap the three dots in the right-hand corner to open up the More menu. Hit Card Details to view some more advanced Apple Cash settings.

Step Three: Select Your Preference

Accepting Payments options in the Wallet app on iPhone.
Change your preferences to automatically send Apple Cash payments to your Apple Pay account.

Under Card Details, scroll until you see the Accepting Payments section. Change your settings to automatically accept Apple Cash payments to your Apple Pay account. With this, you re all set to receive money on Apple Pay.

To review:

  1. Open Wallet and tap the Apple Cash card.
  2. Tap More, then Card Details.
  3. Change your Accepting Payments setting to automatically accept Apple Cash payments.

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