To send someone money on Apple Pay, you use Apple Cash inside the Wallet and Messages apps to move money instantly between iPhone or iPad users in supported regions.

Quick Scoop

  • You’ll need:
    • An iPhone or iPad with Apple Pay set up and Apple Cash enabled.
* A debit card or eligible card added to Wallet to fund payments.

* The other person must also be set up to receive Apple Cash in an eligible country.

Set up Apple Cash first

Before sending money, make sure Apple Cash is ready to go in Wallet.

  • Open Settings → Wallet & Apple Pay and turn on Apple Cash if you see the option.
  • Add a debit or credit card if you haven’t already, then follow the prompts to verify.
  • Open the Wallet app, tap your Apple Cash card, and:
    • Check your balance.
    • If needed, tap options (like “Add Money”) and move funds in from your card.

How to send money in Messages

Most people use the Messages app because it feels like sending a normal text, just with money attached.

  1. Open Messages and start a conversation with the person you’re paying.
  1. Tap the plus (+) button next to the text field, then choose Apple Cash from the options.
  1. Enter the amount you want to send.
  1. Tap Send , then confirm again if prompted.
  1. Double‑click the Side button and confirm with Face ID, Touch ID, or passcode to authorize.

The money goes to their Apple Cash balance, and they can keep it there, spend with Apple Pay, or transfer it to their bank.

How to send money from Wallet

If you like starting from your Wallet instead of Messages, you can send from your Apple Cash card directly.

  • Open the Wallet app and tap your Apple Cash card.
  • Tap Send or Send/Request.
  • Choose the recipient from Contacts (phone, email, or Apple ID they use for iMessage).
  • Enter the amount and confirm the payment with Face ID, Touch ID, or passcode.

This works well if you’re already checking your balance or managing Apple Cash and decide to send money right from there.

Tips, limits, and “latest news” flavor

Apple Cash is treated like a peer‑to‑peer payment service, with limits (for example, minimums like around 1 USD and maximums that can go into the thousands per transfer, depending on region and current rules).

  • Keep in mind:
    • You generally can’t send Apple Cash to someone who isn’t on Apple’s ecosystem; they need compatible Apple devices and Apple Pay/Apple Cash enabled.
* Apple may update limits, fees, and availability over time, so checking the official Apple Cash support page before large transfers is wise.

In recent guides and forum‑style discussions, people still see Apple Pay/Apple Cash as one of the quickest ways to split bills, pay friends back, or send small personal payments, especially in the U.S., and content posted through 2025 keeps reinforcing the same core flow: set up Apple Cash, tap into Messages or Wallet, enter amount, confirm, done.

TL;DR: Set up Apple Cash in Wallet, add a card, then use Messages → + → Apple Cash (or Wallet → Apple Cash → Send) to enter an amount and confirm with Face/Touch ID to send someone money on Apple Pay.

Information gathered from public forums or data available on the internet and portrayed here.