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If this is your first time using Apple Pay to send, receive, or request money in Messages, see what you need to get started.

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How to send money in the Messages app

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When you send money in the Messages app using Apple Pay, your Apple Cash card is used to pay first by default. If you want to use a debit card instead, you can send money directly from your debit card.

On your iPhone or iPad

Open the Messages app, then start a new conversation or tap an existing one.
Tap the Apple Pay button . If you don't see the Apple Pay button, tap first.
Enter the amount you want to send.
Tap Pay, then tap the send button to review or cancel the payment.
Confirm your payment with Face ID, Touch ID, or your passcode.

If the person you sent money to has not accepted the money yet, you can cancel the payment.

Respond to a request for money

Open the request in the Messages app, then tap Pay on the message.
Review the amount to send. Tap Pay to continue, or change the amount.
Confirm using Face ID, Touch ID, or your passcode and send your payment.

To decline a request for money, just ignore the message.

On your Apple Watch

Open the Messages app, then tap an existing conversation.
Scroll down, then tap the Apple Pay button .
Tap the minus sign or the plus sign to change the amount.
Tap on the amount in the message, then you can use the Digital Crown to change the amount.
Tap Pay, then review or cancel the payment.
Double-click the side button.

Respond to a request for money

Open the request in the Messages app, then tap Pay on the message.
Review the amount to send. Tap Pay to continue, or use the Digital Crown to change the amount.
Double click the side button to confirm and send your payment.

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Ask Siri

On your iPhone or Apple Watch, say 'Hey Siri,' then say something like, 'Send 25 dollars to Jane for movie tickets.' Then choose Wallet or Apple Pay.

How to accept a payment

The first time that you use Apple Cash, you have seven days to accept the money that you've been sent. After you accept the terms and conditions, payments are automatically accepted and added to your Apple Cash card. You might be asked to verify your identity.

When someone sends you money, it's securely received and kept in Apple Cash. You can use the money right away¹ to send to someone, spend with Apple Pay, or you can transfer the money to your bank account or Visa debit card.

If you send money to someone and they don't accept it, you can cancel the payment.

Choose your payment method

After you open a conversation in the Messages app, tap the Apple Pay button , then enter an amount.
Tap Pay, then tap the send button .
By default, your Apple Cash card is used to pay first, unless you turn off Apple Cash as the default payment method and use a debit card in Wallet instead. If you pay with Apple Cash and see two cards on the payment sheet, your Apple Cash balance is less than the payment amount. The remainder will be funded by one of your debit cards in Wallet. Tap the arrow .
Choose a debit card to pay the remainder.

If you have no Apple Cash balance, you can use a debit card in Wallet for the entire payment amount. You can see which card is being used on the confirmation screen.

Use your debit card

On your iPhone or iPad, open a conversation in the Messages app.
Tap the Apple Pay button , enter an amount, then tap Pay.
Tap the send button , then tap the arrow .
Turn off Apple Cash, then choose the debit card you want to use.
Tap Back, then authenticate with Face ID, Touch ID, or your passcode.

If you turn off Apple Cash as the default method to pay someone in Messages on your iPhone, it's also turned off on your paired Apple Watch. To use Apple Cash, you need to turn it on to make it your default payment method again.

How to send a request for payment

When you send someone a payment request using Apple Pay, they can tap Pay, then change or confirm the amount they want to send.

On your iPhone

Open a conversation in the Messages app or start a new conversation.
Tap the Apple Pay button . If you don't see the Apple Pay button, tap the App Store button first.
Enter an amount, then tap Request.
Send your request.

On your Apple Watch

Open the Messages app and choose a conversation.
Tap the Apple Pay button .
Enter an amount, then swipe on the Pay button to show the Request button.
Tap Request.

Automatically or manually accept payments

Open the Wallet app on your iPhone, then tap your Apple Cash card.
Tap the more button .
Tap Automatically Accept Payments or Manually Accept Payments.

If you choose Manually Accept Payments, you'll see Accept in the message when someone sends you money. You have seven days to accept the money.

To reject a payment, open the Wallet app on your iPhone, tap your Apple Cash card and find the payment under Latest Transactions. Tap the payment, tap the payment again, then tap Reject Payment.

When you change the setting on one of your devices, it updates the setting on all of your devices.

On your iPad

Open the Settings app.
Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
Tap Automatically Accept Payments or Manually Accept Payments.

On your Apple Watch

Open the Apple Watch app on your iPhone.
Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
Tap Automatically Accept Payments or Manually Accept Payments.

How to cancel or dispute a payment

Open the Messages app, then open the conversation and tap the payment.
Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.
Tap Cancel Payment.

If you don't see Cancel Payment, the person has already accepted the payment. Try asking the recipient to send the money back to you instead.

It can take 1-3 business days for the money to be refunded, depending on your bank or card issuer.

Apple Pay person to person payments are just like any other private transaction between two people. If you're unable to cancel or receive your money back from the recipient, you can contact us to open a dispute.

What you need

You and the person that you're sending money to or receiving the money from must:^2,3

Have a compatible device with the latest iOS or watchOS.
Use two-factor authentication with your Apple ID and sign in to iCloud and iMessage with the same Apple ID on any device that you want to use to send or receive money.
If you're sending money to someone, make sure there's enough money on your Apple Cash card or an eligible debit card in Wallet.

Learn more

Learn about limits, including how much you can send and receive with Apple Pay.
Manage the devices that you can use to