Science

Apple Pay Cash: Tips, Fees, Set Up, Transaction Limits, iMessage Payments, More

The catch? Your device (s) must support the new iOS 11.2, which is available now as a free update and is required to make person to person payments and use Apple Pay Cash on iPhone and iPad. If they choose to set up the service later, users can go to Settings Wallet & Apple Pay Apple Pay Cash and follow the instructions. Now there is possibly another issue involving the newly released Apple Pay Cash.

Supported devices for Apple Pay Cash capabilities include iPhone SE, iPhone 6 and later, Apple Watch, iPad Pro, iPad (5th Generation), iPad Air 2, and iPad mini 3 or later.

Although the product is rolled out as a person to person solution, I have to imagine that Apple is just fine having users store their money with them (though their bank partner GoBank) and then use those balances to shop with their app. According to George, because Apple Pay is part of the OS, the device would need to be wiped and restored in order to get the app back. After that, users can tap "Send" and confirm the payment using Touch ID or Face ID. Payments are not available in group chats on iMessage. Rebooting the phone, checking the App Store, and disabling and reenabling Apple Pay doesn't cause the app to reappear.

Apple Pay Cash's person-to-person payment feature is available to users that are at least 18 years old. However, a three percent fee is applied when sending money using a credit card. The maximum cash balance that can be kept by a user in an Apple Pay Cash account is $20,000. Within a 7-day timeframe users can send or receive a maximum of $10,000.

The minimum amount of money that can be added to an account from a user's U.S. debit card or prepaid card is $10 per transaction, while the maximum that can be added in each transaction is $3,000. In that case, they will be prompted to accept the terms and then the funds will be added to their new Apple Pay Cash card. In a 7-day timeframe, users can add up to $10,000.



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