How to Add Money to Apple Pay: Step-By-Step Guide

Apple Pay is a convenient way to make purchases without fumbling through your wallet or purse. But what happens if you run out of money in your Apple Pay account?

Don’t panic. We’ll teach you how to add money to your Apple Pay account so that you can continue using it for payments and convenience.

How Apple Pay Works

When you add a credit or debit card to Apple Pay, your card’s information is stored securely on your device.

You can then use Apple Pay to make purchases by holding your device near a contactless reader or entering your card information into an online checkout form.

How to Use Apple Pay

To use Apple Pay, you need to have an iPhone, iPad, or Apple Watch (iOS 12 or later). Since Apple Pay is already integrated into Macs, Apple Watches, iPhones, and iPad devices, you won’t have to download it as an app.

You must also be 18 years old and a United States resident.

How to Put Money on Apple Pay

If you are setting up Apple Pay for the first time, you will need to add a credit or debit card to your Wallet. Open the Settings app on your iPhone and tap “Wallet & Apple Pay.”

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From here, tap “Add Card” and follow the prompts to add your card information. You can either use your camera to capture your card information or enter it manually.

If you want to add funds to your existing Apple Pay account, simply open the Wallet app on your iPhone and tap on the “+” sign in the upper-right corner. From here, you will be able to choose a credit or a debit card. To activate the card, tap “Continue“ and enter its CVV number.

Once your card is added and verified, you can start using Apple Pay.

Requesting Money on Apple Pay

Now that you know what adding money to Apple Pay looks like, let’s discuss requesting payments. You can request a payment using your iPhone, iPad, Apple Watch, or the Wallet app.

To request a payment using your iPad or iPhone, you need to:

Start a new conversation in the Messages app.
Click on the “Apple Cash” button. If there’s no such option, select the “App Store” button.
After entering the amount of cash you want to get, click on the “Request” button.

Apple Watch users should:

Choose a conversation in the Messages app.
Click on the “App Store” button.
Click on the “Apple Cash” button.
Enter the amount they would like to receive.
Swipe on the “Pay” button.
Tap “Request.“

If using the Wallet app:

Open your Wallet app.
Select the “Apple Cash” card option.
Tap “Request.”
Select/add the person you want to request money from.
Tap “Next.”
Enter the desired amount and tap “Request with Messages.“
Tap “Send.“

Sending Money on Apple Pay

How to send money to Apple Pay? You can either send it using Apple Cash or using your debit card.

To send money from your iPhone or iPad, you have to:

Open the Messages app
Start a new conversation
Select the “Apple Cash” option
Choose the amount of money you would like to send
Tap “Pay“
Tap “Send“
Confirm your payment with a passcode, Touch ID, or Face ID

If you use your Apple Watch:

Open the Messages app.
Start a new conversation.
Select the App Store option and click the “Apple Cash” button.
Tap the “-” or the “+” sign to change the amount.
Tap “Pay.”
Double-click the side button to send the payment.

If you use the Wallet app to send and add money to Apple Pay, you have to:

Get into the Wallet app on your phone
Click on your Apple Cash card
Select the person you want to send your money to and tap “Send”
Tap “Next”
Put the desired amount
Tap “Send with Messages” and click on the “Send” button
Confirm your payment with a passcode, Face ID, or Touch ID

You can send a minimum of $1 and a maximum of $10,000 per message.

Receiving Money on Apple Pay

If you’re using Apple Cash for the first time, you’ll have seven days to accept the money, after which the payments will be accepted automatically.

Here’s how to receive money on Apple Pay using your iPhone, iPad, and Apple Watch:

iPhone users:

Open the Wallet app.
Select your Apple Cash card.
Tap the “More“ button.
Select Automatically Accept Payments or Manually Accept Payments.

iPad users:

Open the Settings app.
Tap “Wallet & Apple Pay.“
Select your Apple Cash card.
Select Automatically Accept Payments or Manually Accept Payments.

Apple Watch users:

Enter the Apple Watch app.
Tap “Wallet & Apple Pay.“
Select your Apple Cash card.
Select Automatically Accept Payments or Manually Accept Payments.

Conclusion

By learning how to add money on Apple Pay, you’ll be making purchases or sending money to friends and family in no time.

Overall, this is a quick and easy process. Whether you are setting up Apple Pay for the first time or adding funds to your existing account, simply follow the steps outlined in this guide, and you will be good to go.

FAQs

How can I add money to Apple Pay without a debit card?

Instead of a debit card, you can use your credit card, link your bank account, or get someone to send you money via Apple Pay Wallet. To do this, you need to: