If you’re an Apple device owner, using Apple Pay to pay individuals is a useful tool. Here’s how to send someone money using Apple Pay.

With Apple Pay, you can make purchases both online (through the web and supported apps) and at physical retail stores using supported Apple devices, including iPhone, iPad, Apple Watch, and Mac. There are various ways to do so, which we’ve noted in a separate post. In this article, you’ll learn how to pay individuals, such as family members or friends, business associates, and the like.

What is Apple Pay?

First announced in 2014, Apple Pay is a mobile payment and digital wallet service by Apple. Initially only available in the United States, Apple Pay is now available around the world, although support differs by country.

On iPhone, iPad, and Apple Watch, you can use Apple Pay to make purchases in person, through apps, or via the web. In stores, transactions occur through a contactless-capable point-of-sale terminal, coupled with two-factor authentication. In addition to your device, you must enter your Touch ID, Face ID, PIN, or passcode to complete a transaction. The same security protects purchases made online, including those made through web browsers.

Sending Money to Other Apple Pay Users

For person-to-person payments, you can use the Messages app on the iPhone, iPad, or Apple Watch.

On iPhone or iPad

Tap on the Messages app on your mobile device. Start a new conversation or select an existing one. Choose the Apple Pay button. If you don’t see it, tap on the Application button at the bottom of your Message screen, then choose the Apple Pay button. Choose the amount to send. Tap Show Keyboard, if necessary.