Send and receive money with Apple Cash
What you need
A compatible device with the latest iOS, iPadOS, watchOS, or visionOS . Be signed in to the same Apple Account on any device you want to use to send or receive money. If you're sending money to someone, make sure that there's enough money on your Apple Cash card or that you have an eligible debit card in Wallet.
Send money in the Messages app using Apple Cash
Open the Messages app, then start a new conversation or tap an existing one. Tap the , then tap Apple Cash. Enter the amount you want to send, and tap Send. Add a comment if you want it to appear in Latest Transactions for both you and the receiver. Tap the to review the payment. If you want to send the money using your debit card instead, tap Change Payment Method. Turn the Apple Cash slider off. Tap your debit card to select it.
If you don't have enough money in your Apple Cash balance to send the payment, you can pay the remainder with your debit card. Your Apple Cash card and debit card will appear on the screen, with the amounts that will be deducted from each card.
Double-click the side button to pay, then confirm your payment with Face ID, Touch ID, or your passcode.
Open the Messages app, then tap an existing conversation. Tap , then tap Apple Cash. To change the amount , tap the minus or plus sign. You can also use the Digital Crown. Tap Send, then review or cancel the payment. Double-click the side button to send your payment.
Send money in the Wallet app using Apple Cash
On your iPhone, open the Wallet app. Then tap your Apple Cash card. Tap Send or Request, then select or add the person you want to send money to. Tap Next, then enter the amount you want to send. Tap Send, then tap the . Double-click the side button to pay. Confirm your payment with Face ID, Touch ID, or your passcode.
Use Tap to Cash
Set up a recurring payment in Wallet
On your iPhone, open the Wallet app. Then tap your Apple Cash card. Tap the , tap Recurring Payments, then tap New Recurring Payment. Add the recipient, then follow the on-screen instructions to choose the dollar amount of each payment, the date you want the payments to start, and how often you'd like them sent. You can also add a memo to identify what the payments are for. Tap Send, then tap the to review the payment. Double-click the side button to pay. Confirm your payment with Face ID, Touch ID, or your passcode.
Edit, cancel, or pause a recurring payment
Open the Wallet app, tap your Apple Cash card, then tap the . Tap Recurring Payments, tap the recurring payment, tap cancel or pause, or tap Edit to change any of the payment details.
Accept a payment in Wallet
Verify your identity
Accept payments automatically or manually
Open the Wallet app, then tap your Apple Cash card. Tap , then tap Card Details. Tap Manually Accept Payments or Automatically Accept Payments.
If you haven't set up Apple Cash
Reject a payment in Wallet
Open the Wallet app on your iPhone, tap your Apple Cash card, then look for the payment in Latest Transactions. Tap the payment, tap the payment again, then tap Reject Payment.
Use Messages to request a payment
Open a conversation in the Messages app or start a new conversation. Tap the , tap Apple Cash, enter the amount, then tap Request. Tap the to request the payment.
Open the Messages app and choose a conversation. Tap , then tap Apple Cash. Enter an amount, then swipe left on the Send button to show the Request button. Tap Request.
Respond to a request for payment
Open the request in the Messages app, then tap Pay on the message. Review the amount to send. Tap the Send button to continue. You can also change the amount, and then tap Send. Double-click the side button to pay. Confirm your payment with Face ID, Touch ID, or your passcode.
Open the request in the Messages app, then tap Pay on the message. Review the amount to send. Tap Send to continue. You can use the Digital Crown if you want to change the amount. Then, tap Send. Double-click the side button to confirm and send your payment.
If you sent a payment to someone and want to cancel it
Learn more