You are after lunch with tech savvy friends, one of whom retrieves the check and says, "Just send me your part via Apple Pay Cash." Say what?
Apple Pay Cash is Apple's new person-to-person payment service, designed to make it easy for individuals to send and receive money. It's perfect to repay a friend who purchases concert tickets or a relative who collects some groceries for you. Or it's perfect if your friends and family are using iPhones with iOS 11.2 or later – For green bubble Android acquaintances, you can rely on cross platform services like Venmo Circle Circle and Square Cash . How to use Apple Pay Cash.
First, if you have not enabled Apple Pay, go to Settings> Wallet & Apple Pay> Add Credit or Debit Cards and follow the instructions to add at least one debit card. You must also have two-factor authentication turned on in Settings> Your Name> Password and Security – Regardless of Apple Pay, two-factor authentication is important for security. When Apple Pay is enabled, touch Settings> Wallet and Apple Pay> Apple Pay Cash and go through the installation process. You may also be prompted to verify your identity after the setup. It is necessary to send or receive more than $ 500 in total.
When done, you will end up with a new Apple Pay Cash Card in the Wallet app. It's a virtual card that saves money you receive and works like any other debit card for payments. If it does not have enough money to cover a payment, you can choose other debit or credit cards you have added to Apple Pay. You can also add money to it or withdraw money into a linked bank account. You will use a debit card when you add money or pay over your balance with Apple Pay Cash, since there is no transaction fee. A credit card is charged at 3%.
If you want to send or request money via Apple Pay Cash, use the message app that is automatically installed. While in an iMessage thread (blue bubbles) with the person you want to switch money on, make sure the app tray appears (press the app button if necessary) and then the Apple Pay button in the tray.
A panel appears with a dollar amount, + and – buttons and buttons for Request and Pay. Use the + and – buttons to enter the amount, or press the dollar amount to display a keyboard where you can enter an exact amount, cents if necessary. Then tap Request or Pay to enter the transaction in the message. It will not be sent until you press the black send button, so if you think of you, tap the small x to delete. Finally, you will be prompted to confirm the transaction in the usual Apple Pay mode, which means Face ID ID on iPhone X or Touch ID on all other iPhones.
You can even use Siri to start transfers- "Send my mother $ 15." or "Ask my sister for $ 4.99." And if you have an Apple Watch with watchOS 4.2 or later, you can Also send money from the Messages app, or send or request money via Siri. At the time, double-click the sidebar to confirm the transaction.
Honestly, the only downside to Apple Pay Cash is that it only works in the Apple world. But as long as you want to exchange money with Apple, using friends and relatives, it's fast, easy, reliable and a lesser reason to visit the ATM.