Apple Pay Cash Officially Launches Today After Early Roll Out to Many Users Yesterday

Apple has announced that Apple Pay Cash officially launches today for all iOS 11.2 users with an eligible iPhone or iPad model in the United States.


Apple's peer-to-peer payment service actually began rolling out in iOS 11.2 on Monday, but some users received an error message stating the service was unavailable. The activation issues began to resolve for many users later in the day, although there are still a few lasting reports of activation issues.

Apple Pay Cash's official launch today comes three days after iOS 11.2 was released early in order to address a serious date bug that was affecting some users on December 2. While the update introduced Apple Pay Cash, as mentioned in the release notes, the feature had not yet been activated by Apple.

Apple Pay Cash allows for quick person-to-person money transfers, much like competing services Square Cash and Venmo.

After setting up Apple Pay Cash, open the Messages app, tap on the App Store icon, tap on Apple Pay, set the dollar amount, tap pay, select a payment card, and securely authenticate with Touch ID or Face ID. The payment card can be any debit or credit card set up in the Wallet app, or the Apple Pay Cash card.

The recipient taps on the message to receive the funds, which are instantly added to his or her Apple Pay Cash card in the Wallet app. The card's funds can be used to make purchases using Apple Pay in stores, in apps, and on supported websites, or withdrawn to a bank account within one to three business days.

When new users receive money for the first time, the funds are added to their new Apple Pay Cash card once they accept Apple's terms.

You can also send money with Siri, as explained in our How to Use Apple Pay Cash guide, which includes step-by-step setup instructions and other helpful info. Apple Pay Cash is currently available in the United States only. Apple hasn't indicated when the service could expand to additional countries.

Apple Pay Cash is available on iPhone 6 and later, iPhone SE, all iPad Pro models, the fifth-generation iPad, iPad Air 2, and iPad mini 3 models running iOS 11.2. Apple recommends that customers who have updated to iOS 11.2 before today restart their devices if Apple Pay Cash is not showing up.

Apple Pay Cash is also available on all Apple Watch models running the watchOS 4.2 software update released today.

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Apple Pay Holdout Target Launches New In-App Mobile Payments System

Target today launched its own payments platform, allowing customers to pay for purchases using a new Wallet feature in the dedicated Target app available on iOS and Android devices.

Target's Wallet feature lets customers pay with their Target REDcard and get Cartwheel discounts and benefits all in one phone scan during checkout.


To use the feature, Target customers need to add a Target REDcard to the Wallet in the Target app. REDcard is Target's store-branded credit card, which offers customers discounts on purchases.

When checking out, Target customers will need to open up the Target app, tap on Wallet, scan coupon barcodes and then scan the wallet barcode to make a purchase.

Target's payments service is a barcode-based system, similar to Walmart's dedicated Walmart Pay option, which uses QR codes. While Walmart Pay supports any major credit, debit, pre-paid or Walmart gift card, Target's Wallet appears to be limited to its own RED cards.

Target claims that its new Wallet feature is up to four times faster than other payment types when checking out.
"Wallet in the Target app makes checkout easier and faster than ever," said Mike McNamara, Target's chief information and digital officer. "Guests are going to love the convenience of having payment, Cartwheel offers, Weekly Ad coupons and GiftCards all in one place with Wallet."
Target, like Walmart, is one of the few remaining major companies that have opted not to adopt Apple Pay, Apple's mobile payments service. As a result, Apple Pay is not available in Target stores, but it can be used in the Target app when making online purchases. Target is also a founding member of the Merchant Customer Exchange (MCX), a now defunct consortium of retailers that planned to launch a payment platform called CurrentC to compete with Apple Pay.

CurrentC has been delayed indefinitely, and many MCX members like Best Buy and Rite-Aid have begun accepting Apple Pay.

Earlier this year, Target said it had "no plans" to add support for Apple Pay.

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Apple Pay Cash Now Available for iOS 11.2 Users

Apple released iOS 11.2 early in order to address a serious date bug that was affecting some users on December 2, and while the update introduced Apple Pay Cash, the feature was not yet activated by Apple.

Because it wasn't activated, Apple Pay Cash was not usable, despite being listed as a feature in the update's release notes. Apple today made Apple Pay Cash officially available in the United States, so it can be used by all iPhone and iPad owners who have iOS 11.2 installed. Apple Pay Cash is just now rolling out, so it may take a bit of time before it's fully functional and available for everyone.

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Apple Pay Cash is Apple's new peer-to-peer payments service, designed to allow for quick person-to-person money transfers, much like Square Cash or Venmo. The service is currently limited to the United States.

Using Apple Pay Cash, you can send and receive money through iMessage conversations using the Messages app. Cash is sent from a linked debit or credit card, while received cash is stored in an Apple Pay Cash card in the Wallet app and can be used for purchases or transferred to a bank account. For more on Apple Pay Cash, make sure to check out our how to.

Apple Pay Cash will also be available on the Apple Watch once watchOS 4.2 has been installed, and we're expecting to see watchOS 4.2 later this week.

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Bendigo Bank Announces Apple Pay Support in Australia

Starting today, Bendigo and Adelaide Bank in Australia is offering support for Apple Pay. The announcement means account holders in Australia can now use Apple Pay with their Bendigo Blue Bank cards.

People who use Apple Pay with their Bendigo Bank MasterCard will continue to get the rewards and benefits that their Mastercard credit and debit cards provide.


Eligible cards also include:
  • Act. Mastercard® debit

  • Basic Black Mastercard credit

  • Blue Mastercard debit

  • Business Mastercard credit

  • Business Mastercard debit

  • CSB b-entertained Mastercard

  • CSB b-packaged Mastercard

  • Low Rate Mastercard

  • Low Rate Platinum Mastercard

  • Platinum Mastercard

  • Pokitpal Mastercard debit

  • Qantas Platinum Mastercard

  • Ready Red Mastercard credit

  • RSPCA Mastercard
Bendigo and Adelaide Bank was one of several banks that lost a fight in March to gain access to the NFC chip used in iPhones so they could offer their own integrated digital wallets to customers.

They also unsuccessfully lobbied the Australian Competition and Consumer Commission to be allowed to collectively bargain with Apple and boycott Apple Pay.

(Thanks, Adam!)

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iPhone X: Using Apple Pay With Face ID

Ahead of the launch of the iPhone X, people wondered how Apple Pay would work without a Touch ID Home button for confirming payments, but as it turns out, the payments service isn't too much different.

We went through the checkout process with Apple Pay to give MacRumors readers who haven't yet had a chance to use the system a look at just how it works.

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To use Apple Pay on iPhone X, you will, of course, need to have Apple Pay set up with a credit or a debit card in the Wallet app.

When you're at a store that accepts Apple Pay, the Apple Pay process is more or less the same as it was with Touch ID, but some of the gestures are different.

When you're ready to check out, press the side button on the iPhone X twice to bring up the default Apple Pay card and authenticate with Face ID. Then hold your iPhone X down to the reader to confirm payment. If you don't want to use your default card, make sure to swap it out with a tap before your iPhone is next to the card reader.

The double-click setting that opens up the Wallet app should be enabled by default, but if it's not, you can turn it on by going to Settings > Wallet > Apple Pay > and toggling on the Double-Click option. It's a feature you're going to want to have activated if you use Apple Pay a lot, because it speeds up the checkout process.

Without double-click turned on, you'll need to hold your iPhone by an NFC-equipped reader to bring up the Apple Pay interface before raising it back up to confirm with Face ID, adding another step to the process.

All in all, Apple Pay on iPhone X is essentially as quick and as easy to use Touch ID once you get used to how it works, but it will take a few payments to become accustomed to the new process if you're used to the Home button.

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Apple Pay Promo Provides Free Postmates Unlimited Subscription Through End of 2017

Apple today sent out an Apple Pay email to customers, highlighting a Postmates deal. If you use Apple Pay to sign up for the Postmates Unlimited service, you can get free delivery through the end of the year on all orders over $20 without paying the $9.99 per month fee.

Postmates Unlimited is a subscription service that allows customers to get free delivery from any merchant in their city on orders over $20, essentially doing away with delivery fees. The Postmates Unlimited service costs $9.99 per month, though, and it does not do away with other service fees or the need to tip.


If you're a frequent Postmates customer, it's potentially worth the $9.99 per month because delivery fees can add up, especially from merchants that are not located nearby.

Customers will need to sign up for the deal by November 23 to get free shipments for the rest of 2017. Postmates previously offered a similar Unlimited trial, but the company says it has been extended for all customers using Apple Pay.
Special announcement: Just in time for the holidays, we've extended the Unlimited trial for customers using Apple Pay. Sign up before Nov 23rd and your subscription will be free for all of 2017. That means all orders over $20 have no delivery fee.
This appears to be one of the first Apple Pay emails Apple has sent out to customers. Apple also highlights several locations that accept Apple Pay, including Trader Joe's, Pizza Hut, and Crate & Barrel, along with the Jet, Etsy, and Macy's apps.

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Apple Pay Cash Preview: A Look at Apple’s New Peer-to-Peer Payments Service

Apple Pay Cash, Apple's promised peer-to-peer payments service, is finally here. As of yesterday, U.S. public beta testers and developers running the latest beta of iOS 11.2 are able to use the Apple Pay Cash feature ahead of its official release.

With Apple Pay Cash now available for testing, we thought we'd take a close look at the new feature to see just how it works. As it turns out, Apple Pay Cash is dead simple to use, but there are many hidden details about the feature you'll want to know.

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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. For more details on setting up and using Apple Pay Cash, make sure to check out our full Apple Pay Cash how 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.

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How to Use Apple Pay Cash on iPhone and iPad

Apple Pay Cash, Apple's peer-to-peer payments service, became available for developers and public beta testers this morning with the release of the second iOS 11.2 public beta.


The feature appears to be still rolling out to some users, but most testers who have iOS 11.2 beta 2 installed should be able to access the service. Here's how to use it.

Setting Up Apple Pay Cash



  1. Open the Wallet app.

  2. Tap on the Apple Pay Cash card that appears there.

  3. Apple will walk you through the setup process, and ask if you want to enable Apple Pay.

  4. You'll be directed to the Settings app to confirm your information. From there, Apple Pay Cash will take a few seconds to activate.

  5. Once activated, an Apple Pay Cash card will appear in Wallet and you'll be able to access Apple Pay Cash in the Wallet app.

Alternatively, you can also use the Settings app to enable Apple Pay Cash. Go to Settings > Wallet > Apple Pay > Apple Pay Cash and tap the button to toggle it on. Sometimes this option won't show up until it's been activated through the Wallet app, though.


Sending and Requesting a Payment



  1. Open a conversation in Messages.

  2. Tap the Messages App Store icon.

  3. Choose the "Apple Pay" icon.

  4. Tap the "+" or "-" buttons to enter an amount, or use the keyboard.

  5. Tap "Request" or "Pay."

  6. You'll have an option to preview your payment or request for payment.

  7. Press the blue arrow button to send.

When sending a payment, the money you've sent will be listed as "pending" in the Wallet app until the person on the receiving end accepts. Once accepted, the payment will be listed in "Last Transaction" under the Apple Pay Cash card in Wallet. While still pending, a payment can be cancelled.


Money that you're sending will be pulled from a linked debit/credit card or from the Apple Pay Cash card itself if you've added funds to that card or received funds from other people. If you send money using the Apple Pay Cash card or a debit card, there's no charge. For a credit card, there's a 3% fee.

When accepting a payment, the cash will be added to your Apple Pay Cash card in the Wallet app. From there, it can be used to make purchases where Apple Pay is accepted like any other card or it can be transferred to a connected bank account.


Apple Pay Cash works in any conversation with a single person. The option won't be available for group messages.

Sending Money via Siri



  1. Activate Siri.

  2. Tell Siri to send a payment. Example: "Send $1 to Eric."

  3. If multiple payment apps are installed, you'll need to confirm that you want to use Apple Pay.

  4. Unlock your iPhone using Face ID or Touch ID.

  5. Tap "Send."

  6. Double click the side button to pay on iPhone X or put a finger on the Touch ID Home button to confirm payment on other devices.

Changing Apple Pay Cash Settings


You can access your Apple Pay settings in the Settings app or through the Wallet app.

  1. Open Settings.

  2. Go to Wallet and Apple Pay.

  3. Tap on the "Apple Pay Cash" card.

From this interface, you can add money to your Apple Pay Cash card, transfer your cash to the bank (which requires adding a bank account) and choose to automatically or manually accept payments.


Verify Identity


Once you've sent or received a combined $500 with Apple Pay Cash, you will need to verify your identity. Identity Verification is available in the Settings app, but it may not be fully functional at this time.

  1. Open Settings.

  2. Go to Wallet and Apple Pay.

  3. Tap on the "Apple Pay Cash" card.

  4. Choose "Verify Identity."

You will be asked to confirm your legal name and address, along with the last four digits of your social security number and date of birth. Apple will also ask questions related to your personal history and request a photo of a driver's license or state ID card.


Once your identity has been verified, you can have up to $20,000 on your Apple Pay Cash card.

Apple Pay Cash Limits


There are limits on the amount of money that you can send per day and per transaction, and the amount of money you can add to your Apple Pay Cash card.

When adding cash, you must add a minimum of $10 per transaction, but you're not able to add more than $3,000. Over a 7-day period, you can add a maximum of $10,000 to your Apple Pay Cash card.

When sending or receiving money, you can send/receive a minimum of $1 and a maximum of $3,000. Over the course of a 7-day period, you can send/receive up to $10,000.

Transferring money to your bank can be done at any time. A minimum of $1 can be transferred at a time, or less than a $1 if your total balance is under $1. Up to $3,000 can be transferred in a single transfer, and over 7 days, you can transfer up to $20,000 to your bank account from Apple Pay Cash.

Beta Requirements


To use Apple Pay Cash, the following requirements must be met:

  • Both parties must be running iOS 11.2 beta 2.

  • An iPhone 6 or later must be used.

  • Two-factor authentication must be turned on.

  • You must be at least 18 years old.

  • You must be in the United States with a U.S. credit/debit card and social security number if verification is required.

  • An eligible credit or debit card must be available in Wallet.


Along with iPhones and iPads running iOS 11.2 beta 2, Apple Pay Cash can also be used on the Apple Watch on devices that are running the second watchOS 4.2 beta. Sending money from an Apple Watch follows the same general process as the iPhone, with payments made and received through the Messages app.

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Walmart Pay ‘Close to Surpassing’ Apple Pay in U.S. Mobile Payments Usage

Walmart announced "Walmart Pay" in December of 2015, bundling its mobile payment solution directly into the Walmart app for iOS and Android devices and entering the market one year after Apple's own Apple Pay launched in 2014. Now available nationwide in 4,774 Walmart stores, Walmart Pay is "close to surpassing" Apple Pay in terms of mobile payments usage in the United States (via Bloomberg).

According to Daniel Eckert, senior vice president of Walmart services and digital acceleration, Walmart Pay is enrolling "tens of thousands of new users a day," and has seen a steady growth over the past few months. Two-thirds of those who try it use it again within twenty-one days. These statistics give Eckert confidence that Walmart Pay will soon beat Apple Pay in the U.S., "in terms of use by shoppers in stores where they're accepted."

Wal-Mart Stores Inc.’s app is close to surpassing Apple Pay in usage for mobile payments in the U.S., giving the world’s largest retailer even more clout as a growing number of people shop with their smartphones.

“If daily enrollments don’t slow down, I think that’s pretty well in the cards shortly,” said Eckert, senior vice president for services and digital acceleration. “I would have to imagine we are getting pretty close.”
Market researcher Richard Crone predicted that Walmart Pay will grow bigger than Apple Pay in active U.S. users (who use the mobile wallets for at least two transactions per month) by the end of 2018. Walmart and Apple reportedly held discussions in early 2016 that centered upon incorporating Apple Pay into the Walmart iOS app, but fell through because of the "difficulty of blending the technology underpinning each company's approach."

Walmart is said to have begun gaining ground on Apple earlier in 2017, when 5.1 percent of Walmart shoppers said they used Walmart Pay this past June, just below the 5.5 percent of iPhone users who said the same at locations that accept Apple Pay. In terms of other competitors, Walmart Pay's adoption rate is "higher than Samsung Pay and Android Pay combined." One analyst pointed out this is likely because Walmart owns and controls the mobile wallet software and "can make quick changes."

Chart via Bloomberg
“Apple Pay’s road is much more difficult than Wal-Mart’s is,” Brendan Miller, an analyst at Forrester Research, said in a phone interview. “It means that Wal-Mart can make quicker changes, they can move faster in many respects than Apple Pay.” Forrester’s survey of 58,000 online consumers in the first half of 2017 found that 7 percent of them used Apple Pay in the past three months, while 6 percent used Walmart Pay.
Although the services are similar in their payment goals, there are a few differences between Walmart Pay and Apple Pay. Walmart's mobile wallet presents users with a barcode that has to be scanned to complete a transaction, unlike Apple Pay's NFC tap-based system. Walmart Pay also incorporates all of a user's in-store offers, promotions, rewards, and gift card balances in one place, which Apple Pay is still inconsistent in supporting for many stores.

Despite their close rivalry in the mobile wallet space, Walmart is reportedly "more interested" in directly competing with Amazon than Apple. Over the past year, Amazon has been expanding quickly in the grocery space with its various test projects like Amazon Go and its acquisition of Whole Foods. Walmart said it will continue focusing on expanding the features of Walmart Pay as more competition emerges, and according to Crone the debut of the software has provided a solid launchpad for the company's future: "They flawlessly deployed the system, and it works."

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Chipotle’s All-New Order-Ahead App Launches With Support for Apple Pay

Chipotle Mexican Grill today launched a significantly redesigned mobile ordering app for iPhone and Android smartphones.


The app has a streamlined user experience and several new features, including quick reordering of favorites or recent orders, a more user-friendly store locator, and the ability to receive, store, and redeem Chipotle offers.

The app's order-ahead functionality also supports mobile payment services Apple Pay and Android Pay. To accommodate online orders, most Chipotle restaurants are now equipped with a dedicated line for customers using the app.

Chipotle's new app was developed by Deloitte and is rolling out now on the App Store [Direct Link] for iOS devices.

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