Macworld Technology How-To

Apple Pay Cash guide: What it is, how it works, and what it costs

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When iOS 11 landed on September 19, it came without of its most anticipated features: Apple Pay Cash. Similar to Venmo or Square Cash, Apple Pay Cash lets you instantly send money to another iOS user. You don’t even need a new app, as it’s built right into iMessage.

It’s an incredibly easy way to send person-to-person money, but it does have a few caveats you’ll need to be aware of. Here’s what you need to know about setting up and using it.

Apple Pay Cash Requirements

For starters, both the money sender and receiver need to be running iOS 11.2 or later. Apple Pay Cash was added in iOS 11.2 beta 2, and should be in the final release as well. According to Apple’s support page, you’ll need to meet the following requirements:

We have a guide that will tell you everything you need to know about setting up Apple Pay. Once it’s all set up, you’ll be able to send money to friends right within Messages on your iPhone, iPad, or Apple Watch.

Setting up Apple Pay Cash

Before you can send or receive money, you’ll need to set up the Apple Pay Cash card. It’s essentially a special prepaid card with some financial services provided top Apple by Green Dot Bank. All you have to do is head into the Wallet app, tap on the Apple Pay Cash card, then tap on Set Up Apple Pay Cash. You’ll have to agree to some terms and conditions, but that’s it.

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Setting up Apple Pay Cash is a breeze. Just hop into Wallet and tap on the card to get started.

This process will set off automatically if someone sends you money before you get a chance to set it up.

How to send money with your iPhone or iPad

Sending money with Apple Pay Cash is incredibly simple. It’s just an iMessage app.

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1. Launch Messages and then start a new message, or open an existing one.

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