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For more videos. Apple Pay Cash is designed to let you transfer money to and from family, friends, and co-workers. If, for example, a co-worker picks up a coffee for you on the way to work and you want to reimburse them, Apple Pay Cash is the perfect solution. If you paid for your brother's dinner last week and want your cash back, Apple Pay Cash is a quick and easy solution. All Apple Pay Cash transactions are conducted through the Messages app on the iPhone (and on the Apple Watch in watchOS 4.2). There's a new Apple Pay Cash app built into Messages, and tapping on this brings up the Apple Pay Cash interface. From here, you can choose to send or request money right in a one-to-one Messages conversation.
When sending money, the person on the other end simply needs to tap your incoming Apple Pay Cash message to accept, and that money is offloaded onto a new Apple Pay Cash card in the Wallet app. Money can be sent using a debit card, credit card, or Apple Pay Cash card, but all money received is stored on the Apple Pay Cash card.
The Apple Pay Cash card is provided by Green Dot, a company that offers prepaid Discover cards. Sending money from your debit card or Apple Pay Cash card is free, but there's a 3% fee when you use a credit card. Money on your Apple Pay Cash card can be used to make Apple Pay purchases or it can be sent to your bank account.
Dec 5, 2017 - When users get paid, the money they receive is added to their new Apple Pay Cash card that lives in the Wallet app. They can use the money instantly1 to pay someone or make purchases using Apple Pay in stores, apps and on the web. They can also choose to transfer it from Apple Pay Cash to their bank account. “Adding peer-to-peer is all about increasing adoption for the eventual use of Apple Pay for in-store payments.” But there may be even more upside to Apple introducing peer-to-peer payments.
For more details on setting up and using Apple Pay Cash, make sure to. There are limits on Apple Pay Cash. When adding cash to your card, it's a $10 minimum or a $3,000 maximum. When sending or receiving money, there's a $1 minimum and a $3,000 maximum, and a $10,000 maximum over 7 days. Once you've sent or received $500, you're going to need to verify your identity, which involves confirming personal details and uploading a picture of a photo ID. Apple Pay Cash is limited to the United States right now, and to use the feature, both people need to be running the latest iOS 11.2 beta. An iPhone 6 or later is required, two-factor authentication must be turned on, and an eligible credit or debit card must be available in Wallet.
Apple will presumably launch Apple Pay Cash officially with the iOS 11.2 update, so non-beta testers may not have long to wait before the feature is widely available. I don't know. Facebook messanger has this feature for over a year now and you don't have to deal with a virtual third-party card. Also I can send money to everybody with a Facebook account.
You mean the service that has you add a card to your Facebook account as opposed to Apple's solution which keeps your card data on the device in the Secure Element, not stored on FB's servers? Yeah, I'll stick with a secure solution where my bank sends and receives secure transactions based on a representational card number instead of never sending my physical card number and never having Apple store my card in iCloud. I've been trying to find information on Apple Pay Cash's sending/receiving policies, and so far haven't had that much success. I read the terms and conditions, and in there, it says that payments are non-refundable once sent.
BUT, if I send money from a credit card and/or a debit card, I can always get that charge reversed. Now, let's say I'm selling an iPhone on Craigslist, and we both agree to pay via.
Apple Pay Cash. But, unknown to me was that the person who I'm selling the phone to is a huge scammer and as soon as I give him the iPhone (and receive the Apple Pay Cash payment), he's on the phone with his credit card company claiming that the charge wasn't authorized. Let's also assume that the credit card company sides with the scammer. What happens to the money I received?
Does it get returned to the issuing bank? Am I on the hook for the money? What if I've already transferred the money to my bank? Is it going to get reversed from there too? Or, is this the risk Apple/Green Dot is taking, and THEY will absorb the loss and go after the scammer for the loss, meanwhile I'm safe and secure with the Apple Pay Cash payment I received? Sure, payments from friends are fine - but, for this to really be useful, I need to know what happens in the event that someone claims it was an unauthorized payment.
I installed iOS 11.2.pb2 yesterday and then tried to activate Apple Cash.