Add A Previous Card On Your Iphone
Once you’ve added your card, you can start using Apple Pay.
To remove a card from the Previous Cards screen, tap Edit > Remove button > Delete. Then, tap Delete Card to confirm and remove the card from all your devices.
D Additional Terms And Conditions For Using The Funds Transfer Service
Except as otherwise expressly provided herein or as otherwise required by applicable law, transactions authorized in connection with the Funds Transfer Service are non-refundable. We are not responsible for any loss of funds if you authorize and instruct us to send funds to the wrong User, account, or other designated recipient. Without limiting any other provisions of these Terms or our rights or remedies under applicable law, if you charge back or reverse a P2P Transfer funded with a Supported Payment Card with the issuer of such Supported Payment Card, we may reduce the balance on your Apple Cash Card by the amount charged back or reversed, even if such action would result in a negative balance.
How Does Apple Pay Work
Apple Pay lets users make payments online, in apps and in stores from their mobile device . You can fund your Apple Pay account with a linked credit, debit or prepaid card or with your Apple Cash balance. These payments must be approved with a passcode, Touch ID, Face ID or a double-click on Apple Watchs side button.
You can also send money within the Messages app with Apple Pay, funded by your Apple Cash balance.
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Set Up Apple Cash To Pay Someone With Apple Pay
If you want to send money to friends and family using Apple Pay, you can! It is important to note that they must be in the US and they must also have an Apple Wallet. You currently cannot send money to other bank accounts or other payment apps with Apple Wallet.
To send money to friends and family, you can do so through the Messages app.
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However, in order to get this option, you will need to do one more thingset up Apple Cash. This is essentially a cash wallet within your Apple Wallet. You can fund this wallet and also get payments sent to you by others with Apple Pay. Please note that all recipients of your payments will also need to have Apple Cash.
To set up Apple Cash, head to the Wallet app. In the Wallet app, youll see a black card that just says Cash. Tap on this to set up your Apple Cash account. This takes less than one minute in most cases. You just need to confirm some basic information.
Add A Card For Apple Pay On Your Apple Watch
Apple Watches managed with Family Setup might not be able to add cards directly on the Apple Watch.
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Send A Payment To Someone With Apple Cash
Now that youre all set up, you can start sending and receiving money. There are no more settings you will need to implement and everything should be working from here on out.
To start sending and receiving payments, all you need to do is use iMessage. Open the Messages app and tap on the person you want to pay. On top of the keyboard, you will see an Apple Pay icon. Select that and you can request or send money with an iMessage.
You can input the price you want to send or request, and just send it like a normal message. Once this is sent, the recipient will be notified. If there is an issue, you will be notified and the payment or request will be canceled, so there is nothing to worry about on your end.
For those with an Apple Watch, you can also use that to request and send payments. To do so, just open up the messages app on your watch and select the Apple Pay icon. You can get to this setting by swiping on the Messages app, it will be in the same place as all the other Messages options once it is set up.
Please note, you wont be able to set up Apple Pay on your watch at the moment, so youll need to do those steps on your iPhone or iPad.
For those who frequently use Siri, you can use that to send or request payments quickly and hands-free. Just say Siri, send five dollars and it will confirm your payment before it is sent. Requesting money is no different.
How Secure Is Apple Pay
Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode are required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity arent shared with merchants, and your actual card numbers arent stored on your device or on Apple servers.
When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order such as your name, email address, and billing and shipping addresses.
When you pay with a debit or credit card, Apple doesnt keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.
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Add Your Payment Method
In order to use Apple Pay, you will need to have a payment method in your account. Thankfully, adding a payment method is easy.
Once youre in the Wallet app, youll see a black circle with a plus sign. Tap this to add new payment methods. Once here, tap Continue to add a new card. The Apple Wallet app allows you to quickly scan a debit or credit card and it will input the information automatically, so you dont need to type out each number individually.
You also have the option to apply for the Apple Card in the app. The Apple Card is a credit card with a variable interest rate issued by Goldman Sachs. You will need good credit to apply, and some fair credit scores are accepted.
Apple Cash Gets Instant Transfer With Mastercard Debit Cards And More
Apple today announced a minor update to Apple Cash, the companys digital wallet that works with Apple Pay and iMessage. As of today, Instant Transfer on Apple Cash is compatible with Mastercard debit cards, but there are some other changes as well.
In an email sent to Apple Card users on Thursday, Apple says users can now transfer money from their Apple Cash balance to a bank account using a Mastercard debit card and Instant Transfer. Previously this was only possible using a Visa debit card. With Instant Transfer, the money is sent immediately to your bank, so you dont have to wait until the transaction is processed.
The company is also changing some Apple Cash terms and conditions with todays update. Most notably, the company will now charge 1.5% for transfers made with Instant Transfer. There will be a minimum fee of $0.25 and maximum fee of $15 per transaction. These changes will take effect from August 26, 2021.
Those who dont want to pay any fees for sending money from the Apple Card balance to a bank account can use ACH transfers. However, this method takes from one to three days to add the money to your account.
With Apple Cash, users can easily send and receive money to friends and family through iMessage. The service is also integrated with Apple Card so users can receive Daily Cash. All the money in an Apple Cash account can be used in stores through Apple Pay.
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E Use Of The Services Across Eligible Devices
Your Apple Cash Account will be associated with your Apple ID. Therefore, you may access your Apple Cash Account and use the Services with all of your Eligible Devices that are associated with your Apple ID. You acknowledge that these Terms will govern the use of the Services across all of your Eligible Devices and that you will only be presented with these Terms at the time you initially create your Apple Cash Account.
E Individual Claims Only
Claims may be submitted to arbitration on an individual basis only. Claims subject to this arbitration provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public, or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, related Apple Cash Accounts are considered as one person, and Bank, its employees, officers, directors, agents, and affiliates are considered as one person.
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Receive Apple Cash And Transfer To Bank
Next, comes the fun part: when someone sends you money. When you receive Apple Cash from someone, it’s automatically received and kept in Apple Cash by default. If you have your Apple Cash card setup you can use your balance to make purchases in apps, online and in stores. Otherwise, you can transfer Apple Cash into your bank account.
You can transfer any Apple Cash you have to your bank.
1. Open the Wallet app and tap on Apple Cash.
2. On the next screen, tap the black circle at the top of the screen.
3. Then locate and tap the Transfer to Bank button.
4. Enter the amount you want to send and hit Next.
5. Then choose 1-3 Business Days. If you don’t have a bank account set up, follow the instructions on your screen to add one.
6. Next, you need to confirm with Face ID, Touch ID, or your passcode. Then, comes the worst part: waiting for the money to transfer.
If you have a Visa debit card tied to Apple Pay you can use instant transfer to get the money into your bank account fast. After you tap Transfer to Bank, hit Instant Transfer. Next, select the Visa debit card you want to transfer money to and the billing information. Your funds should transfer within 30 minutes. You might be charged a 1% fee to use instant transfer.
How To Add Money To Your Apple Pay Cash Card
You can send payments through Messages with Apple Pay without a balance on your Apple Pay Cash card, but you might want to add some money all the same.
Tap the … in the black circle in the top-right corner.
Enter the amount of money you want to add to your card using either the pre-defined buttons or by entering a custom amount on the number pad.
Authorize the transfer from an Apple Pay-linked debit card. On iPhone 8 and older, you authorize with Touch ID, while on iPhone X, you double-click the side button to activate Face ID for authorization.
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Consumer Device Cardholder Verification Method
In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method using Touch ID, Face ID, or the phone’s or watch’s passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a ‘no verification contactless limit’ using contactless cards , the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.
How To Add Money To Apple Pay Cash
If you live in a supported country, this is how you add money to your Apple Pay Cash account.
Money can only be added to Apple Pay Cash for users in supported countries. While this feature will presumably roll out to more supported countries in the future, adding cash to Apple Pay can only be done in the United States.
Make sure Apple Pay Cash is set up. Tap Settings> Wallet & Apple Pay, and tap the Apple Cash toggle to enable it. Follow the instructions to verify your identity.
An Apple Pay Cash card should be added to the Wallet app. Open the Wallet app and tap the Apple Pay Cash card.
Tap the three horizontal dots in the upper right corner to access the Cash card settings.
Tap Add Money and enter the amount to add to your card from the bank account associated with your Cash card. Choose an amount from the QuickBar at the top of the dial pad, or type in a custom amount. Tap the Add button.
The bank account associated with the card can be seen on the same settings page and switched at any time.
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How To Transfer Apple Cash To Your Bank Account
You can transfer some or all of your Apple Cash to your bank account. It takes one to three days for the transfer to complete, but it’s completely free with no transfer fees.
If necessary, confirm the transaction with your Face ID, Touch ID, or passcode.
The money should appear in your checking account in one to three days.
How To Update Your Bank Account Information
After you update your information on one device, it automatically updates on all the devices where you’re signed in with your Apple ID.
F Family Account Information And Transaction History
Family Users can view their Apple Cash Card balance and obtain information about their Family Account and transactions at any time and at no cost directly from their Eligible Devices. You can also view the balance available on an Apple Cash Card associated with a Family Account at any time and at no cost by: accessing your Apple Cash Account information on your Eligible Device or calling 233-8552.
Additionally, you, as well as a Parent in your iCloud Family, can access and view transactions associated with a Family Account at any time and at no cost from an Eligible Device. You can request a more detailed electronic transaction history for a Family Account , at any time and at no cost from an Eligible Device. By establishing a Family Account, you consent to share and make information about a Family Account available to the applicable Family User and a Parent in your iCloud Family.
If a Family Account subsequently becomes a Graduated Account , neither you nor a Parent in your iCloud Family will be able to view balance and transaction information or request an electronic transaction history for the Graduated Account from an Eligible Device. However, you may contact us to request a transaction history for a Family Account, although this transaction history will only include transactions that occurred prior to Graduation . Please see Section 8 below entitled Apple Cash Account Information and Transaction History for more information on how to contact us to do so.
See Your Payment History
To view your payment history, follow these steps:
Next to Payments and Credits you see the amount of Payments and Credits from the month you selected. If you want to download a PDF of the statement, tap Download PDF Statement. Payments and Credits includes payments you might have made, refunds on purchases you returned, and credits you might have received from a transaction dispute.
You can also view individual payments. Just open the Wallet app on your iPhone and tap Apple Card. Then scroll through Latest Transactions until you see a Payment transaction. To see the payment details, tap the transaction, then tap it again on the next screen.
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