Send and receive money with Apple Cash

Use Apple Cash or a debit card in the Wallet app to send and receive money in the Messages app.

Sending money with Apple Pay

If this is your first time using Apple Pay to send, receive, or request money in Messages, see what you need to get started.

How to send money in the Messages app using Apple Pay

When you send money in the Messages app using Apple Pay, your Apple Cash card is used to pay first by default. If you want to use a debit card instead, you can send money directly from your debit card.

How to send Apple Cash in the Messages app

On your iPhone or iPad

Respond to a request for money

  1. Open the request in the Messages app, then tap Pay on the message.
  2. Review the amount to send. Tap Pay to continue, or change the amount.
  3. Confirm using Face ID, Touch ID, or your passcode and send your payment.

To decline a request for money, just ignore the message.

How to send Apple Cash on Apple Watch

On your Apple Watch

Respond to a request for money

  1. Open the request in the Messages app, then tap Pay on the message.
  2. Review the amount to send. Tap Pay to continue, or use the Digital Crown to change the amount.
  3. Double click the side button to confirm and send your payment.

Ask Siri

On your iPhone or Apple Watch, say "Hey Siri," then say something like, "Send 25 dollars to Jane for movie tickets." Then choose Wallet or Apple Pay.

How to accept a payment

How to choose your payment method to use with Apple Pay

Choose your payment method

How to choose your payment method to use with Apple Pay

Use your debit card

  1. On your iPhone or iPad, open a conversation in the Messages app.
  2. Tap the Apple Pay button Apple Pay icon, enter an amount, then tap Pay.
  3. Tap the send button Send icon, then tap the arrow.
  4. Turn off Apple Cash, then choose the debit card and billing address you want to use.
  5. Tap Back, then authenticate with Face ID, Touch ID, or your passcode.

If you turn off Apple Cash as the default method to pay someone in Messages on your iPhone, it's also turned off on your paired Apple Watch. To use Apple Cash, you need to turn it on to make it your default payment method again.

How to send a request for payment

When you send someone a payment request using Apple Pay, they can tap Pay, then change or confirm the amount they want to send.

Send an Apple Cash payment request in the Messages app

On your iPhone

On your Apple Watch

Automatically or manually accept payments

  1. Open the Wallet app on your iPhone, then tap your Apple Cash card.
  2. Tap the more button More icon.
  3. Tap Automatically Accept Payments or Manually Accept Payments.

How to automatically or manually accept payments with Apple Cash

If you choose Manually Accept Payments, you'll see Accept in the message when someone sends you money. You have seven days to accept the money.

To reject a payment, open the Wallet app on your iPhone, tap your Apple Cash card and find the payment under Latest Transactions. Tap the payment, tap the payment again, then tap Reject Payment.

When you change the setting on one of your devices, it updates the setting on all of your devices.

On your iPad

  1. Open the Settings app.
  2. Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
  3. Tap Automatically Accept Payments or Manually Accept Payments.

On your Apple Watch

  1. Open the Apple Watch app on your iPhone.
  2. Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
  3. Tap Automatically Accept Payments or Manually Accept Payments.

How to cancel or dispute a payment

How to cancel or dispute a payment

  1. Open the Messages app, then open the conversation and tap the payment.
  2. Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.
  3. Tap Cancel Payment.

If you don't see Cancel Payment, the person has already accepted the payment. Try asking the recipient to send the money back to you instead.

It can take 1-3 business days for the money to be refunded, depending on your bank or card issuer.

Apple Pay person to person payments are just like any other private transaction between two people. If you're unable to cancel or receive your money back from the recipient, you can contact us to open a dispute.

What you need

  1. Account security checks might require additional time to make funds available.
  2. To send and receive money with Apple Pay, you must be at least 18 years old and a resident of the United States. If you're under 18 years old in the United States, your family organizer can set up Apple Cash for you as part of Apple Cash Family. Then, you can send and receive money with Apple Pay. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.

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