How to Use Apple Pay Cash

Apple Pay Cash is a a new iOS 11.2 feature that lets you send money to friends or request money from them. It’s like Square’s Cash app, or Venmo, but it only works with Apple devices like the iPhone, iPad and Apple Watch.

To use Apple Pay Cash you need to set up a special Apple Pay Cash card on your iPhone. From there you can use it to send money to friends, or when you have a balance you can use it to make payments at stores that take Apple Pay, just like you would a regular card.

In addition to using it for yourself, this could be a nice way to handle giving a digital allowance if your kids have Apple devices, even though you technically need to be 18 to use it. You need a debit card linked to Apple Pay to be able to use Apple Pay Cash. You also need to make sure you are using iOS 11.2 and are on a device that supports Apple Pay and Apple Pay Cash.if you want to use it on the Apple Watch you need to have watchOS 4.2 installed.

Here’s how to set up Apple Pay cash and how to use it.

How to Setup Apple Pay Cash

The first thing you need to do is setup Apple Pay Cash using your iPhone. This takes just a minute if you already have a debit card linked to your Apple Pay account.

1. Open Settings.
2. Tap on Wallet & Apple Pay.
3. Tap on Apple Pay Cash card.

From here you will see a number of screens that you need to progress though. Tap on Continue and then Agree to the Terms and Conditions.

Next you will see a message saying Setting up Apple Pay Cash. You may then see a message to add a debit card to your iPhone if you don’t already have one connected.

At some point you will need to verify your identity. This is to keep in compliance with federal banking rules. In the Apple Pay Cash card settings area, scroll down and tap on Verify Identity. You will need to enter your full name and answer several questions to verify that you are in fact you.

How To Add Money to Apple Pay Cash & Withdraw to Your Bank

Once you setup Apple Pay Cash, you still need to add money to your account. This process pulls money from your debit card to your Apple Pay Cash card. This is what you use to pay friends or to make purchases with Apple Pay Cash. If you don’t add funds, you can still use Apple Pay Cash, but it will ask you where to get the money each time you send it through Messages.

1. Open Settings.
2. Tap on Wallet & Apple Pay.
3. Tap on Apple Pay Cash card.
4. Tap on Add Money.
5. Pick an Amount.
6. Verify you want to send it and from what card.

Once that is done, you have an Apple Pay Cash Balance. You can also withdraw the money to your bank using this screen, which is handy when someone pays you for something you bought. To withdraw money, you need to make sure you have the routing number and account number for your bank.

How to Use Apple Pay Cash

Now that you have Apple Pay Cash setup and you have money in your account, you can start using Apple Pay Cash. On your iPhone it exists in the Messages app, but you can also access it through the wallet if you want to pay for something at a store using Apple Pay Cash.

1. On your iPhone open up messages.
2. Open a conversation with the person you want money from or you want to send money to.
3. Tap on the App Store icon or directly on the Apple Pay logo.
4. Enter the amount you want to send or request and then tap on either Request or Pay.
5. This puts a small card in the send box, and you can add a message or just hit send.

If you are paying someone you may need to choose what source you will make the payment from, unless you have enough money on your Apple Pay Cash card. You can only send up to $3,000 to other users, and only if they have Apple Pay Cash setup.

You can also have Siri send money by saying, “Hey Siri, send $25 to Josh Smith.”

What's New in iOS 11.4.1

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The iOS 11.4 update added Messages in iCloud and AirPlay 2, but it also brought issues along with it. The iOS 11.4.1 update keeps these long anticipated features and includes fixes for some iOS 11.4 problems.  Specifically the iOS 11.4.1 update; Fixes an issue that prevented some users from viewing the last known location of their AirPods in Find My iPhone.  Improves reliability of syncing mail, contacts and notes with Exchange accounts.   This update also includes other bug fixes and security upgrades. It's possible that this update includes a fix for bad iOS 11.4 battery life.  Messages in the Cloud allows you to backup your iMessage conversations to the cloud just like you back up your notes, contacts and photos. This means they are backed up in case something happens to your phone, but that's not all.  Messages in the Cloud syncs deleted messages and threads across your iCloud devices. This means everything will show up the same across your Apple devices. With this in place you should see the same conversations everywhere, all of the time.  This also backs up the photos and attachments in the cloud so you have more room on your iPhone or iPad. When you get a new device all of the messages sync to that device so you don't lose anything.

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