Apple Pay is remarkable.

You can use it to pay for items at the checkout, send money to friends, pay for tube or bus tickets, or buy items online without entering your credit card details.

Now, with iOS 11, you can also use Apple Pay to send or request money from anyone in your Contacts app using the Messages app. It’s surprisingly easy and intuitive, and makes online transactions a whole lot easier. Please note, however, that Apple Pay within Messages isn’t available in every country at the time of publishing.

If you don’t already have Apple Pay activated…

You need Apple Pay activated on your device before you can send and receive money. To do this open the Settings app and go to Wallet & Apple Pay > Add Credit or Debit Card. Next, follow the on-screen instructions to add your debit card and activate it via your bank. If your bank supports Apple Pay, you’ll be good to go in just a few minutes.

Send money

  1. When you’re viewing or replying to a message, tap the App Store icon next to the compose field and a drawer will slide into view.
  2. Slide the panel to the left until the Apple Pay panel appears.
  3. Use the buttons to select an amount, then tap Pay.

When you receive money via Apple Pay it’s stored within a digital Apple Pay Cash card, which you can see via the Wallet app. This card lets you transfer the money onwards to other people, spend it online using Apple Pay, or deposit it into your bank account – completely free of charge.

 

If you’re asked for money

If a contact requests money from you, tap the amount in the Message chat log or notification panel, then tap Approve to confirm and send money.

 

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