Send and receive money with Apple Pay on iPhone (U.S. only)

In the Messages app , you can use Apple Pay to send and receive money quickly and easily. There’s no app to download, and you can use the cards you already have with Apple Pay.

When you receive money in Messages, it’s added to your Apple Cash card in Wallet. See Set up and use Apple Cash on iPhone (U.S. only).

An iMessage conversation with the Apple Pay app open at the bottom.

Note: Before you send or receive payments with Apple Pay, you need to agree to the terms and conditions of this service.

Send a payment in Messages

Ask Siri. Say something like: “Apple Pay 75 dollars to Phillip for the zipline tour” or “Send 15 dollars to Kim for lunch with Apple Pay.” Learn how to ask Siri.

You can also do the following:

In an iMessage conversation, tap , then enter the amount.
Tip: If there’s an underlined monetary amount in a message, tap it to preset the payment.
Tap Pay, add a comment if you want, then tap .
Review the payment information. If you don’t have sufficient funds in Apple Cash, you can pay the balance using your debit card in Wallet.
Authenticate the payment with Face ID, Touch ID, or your passcode.

You can cancel a payment that hasn’t been accepted. Tap the payment bubble, then tap Cancel Payment.

Request a payment

Ask Siri. Say something like: “Ask Kim for 26 dollars with Apple Pay.” Learn how to ask Siri.

You can also do the following:

In an iMessage conversation, tap .
Enter the amount, then tap Request.

Helpful?

iPhone User Guide

Send and receive money with Apple Pay on iPhone (U.S. only)

Send a payment in Messages

Request a payment