In today's digital era, sending and receiving money has become incredibly convenient, thanks to Apple Pay. This mobile payment and digital wallet service offered by Apple allows users to effortlessly transfer funds directly from their iPhone, iPad, or Apple Watch. Apple Pay provides a secure and efficient platform for splitting expenses, repaying a friend, or making international payments. So, let’s begin and learn the process of how to send money through Apple Pay, cashing out to your bank account, receiving money, and exploring international payment options.

How to Send Money on Apple Pay?

The process is swift and straightforward when sending money on Apple Pay. Here is a step-by-step method to send money with Apple Pay:

• Set Up Apple Pay Cash: Before sending money, ensure you have Apple Pay Cash enabled on your device. Access the Wallet app, tap the "+" icon, and follow the prompts to set up your Apple Pay Cash account.
• Open the Messages App: Launch the Messages app on your Apple device and initiate a conversation with the recipient if you want to send money.
• Tap on the Apple Pay Button: Within the conversation, locate and tap the distinctive Apple Pay button featuring a blue icon with a white dollar sign.
• Enter the Amount: Input the specific amount you wish to send and tap "Pay."
• Authorize the Payment: Authenticate the transaction using Face ID, Touch ID, or your device passcode.
• Confirm and Send: Carefully review the payment details, including the recipient's name, and tap "Send" to complete the transaction securely.

Cash out: Send money to your own bank account

To transfer funds from your Apple Pay to bank account, follow these simple steps:

• Open the Wallet app on your device.
• Find your Apple Pay Cash card within the app and tap on it.
• Tap on the "..." button in the screen's upper-right corner.
• From the available menu options, select "Transfer to Bank."
• Enter the desired amount to transfer to your bank account.
• Review all the transfer details meticulously, and once satisfied, tap "Transfer" to initiate the transaction. Your funds will be transferred to your bank account within a few business days.

Can I Send Money Through Apple Pay Without an Account?

To send money via Apple Pay, it is necessary to have an active Apple Pay Cash account. However, recipients are not required to have an Apple Pay Cash account themselves. They can directly receive the money if their bank account is set up to receive payments.

How to Receive Money on Apple Pay?

Receiving money via Apple Pay is a seamless process. Here is how to do it:

• Launch the Messages App: Open the Messages app on your device.
• Accept the Payment: When someone sends you money through Apple Pay, you will receive a message containing the payment details.
• Tap to Accept: Tap on the message. Carefully review the payment information. Tap to accept the payment.
• Choose between Keeping and Transferring: Once you have received the payment, you can either keep the funds within your Apple Pay Cash account for future use or transfer them to your linked bank account.

Send Money Internationally with Apple Pay:

Although Apple Pay primarily facilitates domestic transactions, some supported apps and services integrate with Apple Pay to enable international money transfers. It is recommended to check with specific apps or services to confirm if they offer international payment options through Apple Pay.