Are Mobile Wallets Safe
You may be skeptical about storing your credit or debit card information in your phone. But, by and large, mobile wallets are safe.
Whether you’re using Apple Pay, Google Pay or Samsung Pay, your credit card information is never collected by the merchant you’re paying. Instead, each of these services tokenizes account information. When you make a new transaction, your account is represented by a random transaction code, but your actual card numbers are never shared with the business. Tokenization helps prevent fraud and minimizes damage if the merchant undergoes a data breach.
For additional security, make sure your devices lock screen is password-enabled with a PIN, alphanumeric phrase, pattern or a fingerprint, facial or iris scan.
Consumer Device Cardholder Verification Method
In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method using Touch ID, Face ID, or the phone’s or watch’s passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a ‘no verification contactless limit’ using contactless cards , the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.
What Do You Need For Apple Cash
To send and recieve money in the Messages app person-to-person using Apple Cash, you’ll need to have all of the following:
- Be at least 18 or over
- Live in the United States
- Have a compatible device running iOS 11.2 or later or watchOS 4.2 or later
- Set up two-factor authentification for your Apple ID
- Sign into iCloud with your Apple ID on any device that you want to use to send or receive money
- Add an eligble debit card in the Wallet app so you can send money
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How To Cancel Or Dispute A Payment
If you don’t see Cancel Payment, the person has already accepted the payment. Try asking the recipient to send the money back to you instead.
It might take 1-3 business days for the money to be refunded, depending on your bank or card issuer.
Apple Cash person to person payments are just like any other private transaction between two people, so only send and receive money with people you know. If you have questions or concerns about a transaction, please contact us.
How Do I Use Apple Pay With Google Pay
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What Is Apple Pay
Apple Pay is a digital wallet where users can carry out transactions electronically. This platform is a development by Apple Inc., as the name might suggest. With the app, you can send money, buy applications in the App Store and pay digitally at stores where Apple Pay is accepted.
The app, as you might guess, only works on Apple devices such as iPads, iPhones, Apple Watches and Macs. While the app comes installed on most newer devices, if youve somehow deleted it, you can find it in the App Store to download for free.
Not sure what the difference is between Apple Pay and other similar digital wallets? Check out our guide on .
Send A Payment To Someone With Apple Cash
Now that youre all set up, you can start sending and receiving money. There are no more settings you will need to implement and everything should be working from here on out.
To start sending and receiving payments, all you need to do is use iMessage. Open the Messages app and tap on the person you want to pay. On top of the keyboard, you will see an Apple Pay icon. Select that and you can request or send money with an iMessage.
You can input the price you want to send or request, and just send it like a normal message. Once this is sent, the recipient will be notified. If there is an issue, you will be notified and the payment or request will be canceled, so there is nothing to worry about on your end.
For those with an Apple Watch, you can also use that to request and send payments. To do so, just open up the messages app on your watch and select the Apple Pay icon. You can get to this setting by swiping on the Messages app, it will be in the same place as all the other Messages options once it is set up.
Please note, you wont be able to set up Apple Pay on your watch at the moment, so youll need to do those steps on your iPhone or iPad.
For those who frequently use Siri, you can use that to send or request payments quickly and hands-free. Just say Siri, send five dollars and it will confirm your payment before it is sent. Requesting money is no different.
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Add Your Payment Method
In order to use Apple Pay, you will need to have a payment method in your account. Thankfully, adding a payment method is easy.
Once youre in the Wallet app, youll see a black circle with a plus sign. Tap this to add new payment methods. Once here, tap Continue to add a new card. The Apple Wallet app allows you to quickly scan a debit or credit card and it will input the information automatically, so you dont need to type out each number individually.
You also have the option to apply for the Apple Card in the app. The Apple Card is a credit card with a variable interest rate issued by Goldman Sachs. You will need good credit to apply, and some fair credit scores are accepted.
Set Up Apple Cash To Pay Someone With Apple Pay
If you want to send money to friends and family using Apple Pay, you can! It is important to note that they must be in the US and they must also have an Apple Wallet. You currently cannot send money to other bank accounts or other payment apps with Apple Wallet.
To send money to friends and family, you can do so through the Messages app.
Related: How to Activate iMessage
However, in order to get this option, you will need to do one more thingset up Apple Cash. This is essentially a cash wallet within your Apple Wallet. You can fund this wallet and also get payments sent to you by others with Apple Pay. Please note that all recipients of your payments will also need to have Apple Cash.
To set up Apple Cash, head to the Wallet app. In the Wallet app, youll see a black card that just says Cash. Tap on this to set up your Apple Cash account. This takes less than one minute in most cases. You just need to confirm some basic information.
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Transfer Money From Your Bank Account To Cash App
When the money from Apple Pay has reached your bank account, the funds can then be transferred to your Cash App wallet.
Because the money is now in your bank account, youll be able to transfer those funds to Cash App following these steps below:
After you see the confirmation come up, youll just have to wait for the transfer to be fully completed! Its that easy . While this is a roundabout way of transferring money from Apple Pay to Cash App, it works really well if you have the patience to go through these two steps.
How To Withdraw Money From Apple Pay
Sometimes you may need to move money from your Apple Cash balance to your bank account. You must have a compatible linked payment method to withdraw money from Apple Pay
There are two options for withdrawing money from Apple Pay. You can do an instant transfer to a linked debit card, or transfer in 1-3 business days to your bank account.
Here are the guidelines for transferring money from your Apple Cash balance to a debit card:
After you confirm the transaction, your funds should be available on your debit card within 30 minutes.
Here are the guidelines to transfer money from your Apple Cash balance to your bank account:
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On Your Iphone Or Ipad
If the person you sent money to has not accepted the money yet, you can cancel the payment.
How To Request Money Through Apple Cash
You can send a request for money through Apple Cash in the Messages app and the recipient can tap Pay, then change or confirm the amount they want to send.
To request money through Apple Cash on your iPhone or iPad, follow these steps:
To request money through Apple Cash on your Apple Watch, follow these steps:
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Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Send Money With Google Wallet On Android And Ios
Google revamped its Wallet application to allow users to send money to anyone in the US for free. Here’s how you can get started.
Associate Editor / How To
Dan Graziano is an associate editor for CNET. His work has appeared on BGR, Fox News, Fox Business, and Yahoo News, among other publications. When he isn’t tinkering with the latest gadgets and gizmos, he can be found enjoying the sights and sounds of New York City.
Google introduced the world to its mobile payment system more than two years ago. Google Wallet was meant to revolutionize the future of mobile payments however, soon after launch the company faced a number of unexpected obstacles.
Google Wallet transformed NFC-equipped smartphones into digital wallets that could be used to make in-store purchases at various locations across the United States. Three of the four largest mobile carriers in the US, however, opposed Google Wallet. Verizon, AT& T, and T-Mobile instead backed rival mobile payment startup Isis, and ended up blocking Google’s app from their devices.
Here’s how to get started with the new Google Wallet app:
Google will then send you an e-mail confirming your Google Wallet account has been activated.
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How To Respond To An Apple Cash Request
To respond to an Apple Cash request in Messages on your iPhone or iPad, follow the steps below:
To respond to an Apple Cash request in Messages on your Apple Watch, follow the steps below:
To decline a request for money, just ignore the message.
How To Set Up Apple Pay
Apple Pay is already built into iPhone, Apple Watch, Mac and iPad devices. You dont need to download a separate app, and you dont need to go through a sign-up process.
To set up Apple Pay, you add your debit, credit and prepaid cards to the Wallet app. The first card you add to Wallet becomes your default payment card.
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How To Cancel An Apple Cash Payment
If you want to cancel an Apple Cash payment, follow the steps below:
If Cancel Payment isn’t an option, the person you sent the payment too has already accepted the money.
How To Pay Someone With Apple Pay On Your Iphone
Need to send some money to a friend or family member? Follow this guide to pay someone using Apple Pay.
Since so many people have an iPhone, sending them money or requesting cash through Apple Pay could be useful. But how do you pay someone with Apple Pay?
If you havent sent a payment this way before, it can seem confusing. However, once you set it up, future payments and payment requests are easy. This guide will show you how to use Apple Pay if you havent before.
Note: Paying friends and family members through Apple Pay is only available to those in the US.
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How To Set Up Apple Cash For A Child Or Teen
It’s also possible to set up Apple Cash for a family member that is under 18 and in your Family Sharing group so they too can make purchases, and send and receive money in Messages. You can limit who your child or teen can send money to, get notified when they make transactions, and lock their account.
The family organiser has to set Apple Cash up for the child or teen, and they will need to use the same Apple ID for Apple Cash as they did for setting up Family Sharing.
They will also need to have a compatible iPhone, iPad or Watch running the latest iOS, iPadOS or watchOS software. They will also need to sign in to iCloud on each family member’s device using their Apple ID, turn on two-factor authentification for each Apple ID and make sure each device region is set to the US.
If you can tick all those boxes, these are the next steps:
You can read more about how to manage your child’s Apple Cash accounts here.
How To Send Money In The Wallet App Using Apple Cash
If the person you sent money to has not accepted the money yet, you can cancel the payment.
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