Hey what's up it's Jerad with State of Tech and the day has finally arrived, we can now
send money to each other through iMessage!
I think is pretty cool.
I have been using Venmo for a while and Venmo has been really good for sending money to
people.
I love the fact that there's no fee, as long as the money is coming from either my Venmo
account or from my checking account.
Apple Pay Chase is essentially the same situation.
For any of your friends or family that have iPhones as well that are running the latest
version of iOS, which 11.2 or newer is required, you're going to be able to send each other
cash on the device which I think is pretty cool.
I'm going to walk you through the process of how to do this.
This rolled out really recently to everybody and if you have updated your phone to the
latest software then you should have seen something when you went into your messages
app.
It asked me to set it all up.
Same thing on my iPad once I updated and then once I updated my Apple Watch to watchOS 4.2
it also had the option, I just had to go through a slightly different process.
Let's go ahead and take a look at what that looks like.
You're seeing my screen right here.
If I go into a text message, I'm going to go into a text message with James and you
can see that I have my Apple Pay icon down there in the apps.
Now, in order to set that up, we're going to go through that process really quick.
I disabled mine, so my setup process isn't going to take as long as yours will for the
first time but I'll walk you through the process.
So you go into your settings app and go down to Wallet and Apple Pay if you're doing this
manually.
If you're not seeing anything show up, then this is the process.
I'm going to activate Apple Pay Cash and then it's going to ask for my password, I can paste
that in and hit sign in and then it's going to go through the process.
This would be the process that you would see in your messages app for that first time.
So you'll see this Apple Pay Cash and it'll explain what to do.
You'll click continue.
It'll say setting up Apple Pay Cash and then it'll ask you a couple of questions and verify
it and then set up.
This process for me is going to take less time because I've already done it once.
Now you'll see my Apple Pay Cash card is on my list of available cards, which is great!
So let's go back to the main screen.
If I go into my wallet app, you're going to see that I have my Apple Pay Cash card in
there as well.
When people send you money or if you preload your Apple Pay Cash card with money, you can
use Apple Pay with this card.
So that means if you go to a store that accepts Apple Pay if you have a balance on your Apple
Pay Cash card you can make a payment that way.
Alternatively, you can also send money to people from your Apple Pay Cash card balance
as well.
That's pretty cool!
I like the way that works.
If you click on that little "i" you can see that we have Add Money or Transfer to Bank.
Now if I wanted to add money to my card, I would tap on that, I can then tap on a dollar
amount or type in any dollar amount and click on add and it's going to suggest that it funds
from an account like my Visa Debit card.
So I'll go ahead and double-click on that and it's going to Face ID and process that
and then add that $10.
I even got a push notification letting me know.
So I now have $10 in my Apple Pay Cash.
Now if I wanted to transfer that back, or say somebody sends you some money and you
want to send it to your bank account, you would tap Transfer to Bank.
You would then add a bank account which means you're going to have to add in the banking
account number and the routing number so you transfer that money.
Those numbers are on your checkbook or you can go into your online banking and get the
routing number and your bank account number and put that in.
That will be required to transfer money back and it's just a quick and easy process to
set that up.
So the fun part is actually sending cash to people and you do that through a text message.
For example, if I was to text message James, I can type him a message but I can also tap
on the Apple Pay app that is showing up.
If you don't see those it's because you need to tap on the little app icon and then tap
on the Apple Pay app icon there.
So it's going to ask me to double click to pay.
So I'm going to double-click my side button on my iPhone X to pay, the process may be
slightly different if you're on a different version of the iPhone.
I've just sent James a dollar.
Now James is hopefully text message me here and say "Hey, I thought it was $5" because
the cool thing is when somebody sends you a text message and it includes a dollar amount,
you can actually tap on that dollar amount and it's going to automatically create a payment.
So, I can tap on that $5 and see it automatically added that right there and I can say nope,
I'm not giving you five, I'm just going to knock that down to $1 or maybe I messed that
up and I can actually increase that.
So it's pretty cool, I really like the way that this works.
It's super simple and it's right within the messages app and it's already part of the
process in the way that we use our device.
I really think that that's cool.
We're going to go on over to the iPad and do the exact same thing because I want to
show you just how easy it is to do this on an iPad.
I already have Apple Pay Cash enabled, you can even see over here in the text message
feed, because I have my text messages and everything syncing between my Apple devices,
that shows the $1 that I paid James and even that $5 link over here.
Now, I have to Google Keyboard up and so I'm going to need to switch my keyboard back to
the Apple keyboard and I can tap on the apps and you can see the Apple Pay app is already
right there.
If I wasn't in this app, I was just in the keyboard, I can tap on that $5 and then it
loads up right here.
Apple just made this super easy!
So it doesn't matter what device I have in front of me, it's going to automatically allow
me to make a payment to them.
That's pretty cool.
Now lastly I have my Apple Watch over here and the Apple Watch also has it.
The Apple Watch process of setting this up is a little bit different.
You're going to have to make sure that the Apple Watch is updated to watchOS 4.2.
You'll go into the Apple Watch app and then you're going to need to go down to Wallet
and Apple Pay and enable Apple Pay Cash.
You can see here that it's updated and it even shows that I only have $9 in there now
instead of $10 and all that good stuff.
So everything is right in here, this is fantastic.
So now if I want to send a payment I can go right into a text message.
So I'll just go into the messages app here, so I have my messages and I'll tap on the
message from James.
It shows the dollar that I paid him.
It shows that "Hey I thought it was $5" and I can even tap on that and it will create
a payment.
I can even scroll down a little bit and there's an Apple Pay button which will then allow
me to pay him $1, so I'm going to go ahead and do that and it's going to send him $1
right from my Apple Watch.
I like this, it's made it super simple and easy to send payments to anybody regardless
of who they are so long as they're on iOS and they are in a text message with you.
There's one last thing that we need to look at and it's actually the verification process
because you do need to verify who you are.
I had to go into Wallet and Apple Pay, go underneath my Apple Pay Cash card and scroll
down below to Verify Identity and then go through the process of verifying my identity
by putting in my information and verifying.
This has to be traceable somehow, Apple can't let people use this in malicious ways so your
Apple Pay transaction history has to be linked to you and this verification process allows
you to do that.
I haven't tried but I'm sure there are limitations if you don't verify who you are such as the
dollar amount that you can send or maybe you can't transfer money out of your pay cash
card into your bank account.
You need to go through and verify yourself.
I'm going to go ahead and finish this verification process offline but I wanted to show to all
of you that that is something that needs to be done.
So it's very simple to send a payment to anybody whether your on an iPad, an iPhone, or an
Apple Watch.
It's definitely really cool that you're able to do this.
I just wanted to walk everybody though it so that you can see what it looks like because
otherwise the only way to know what it looks like is to actually send someone cash and
maybe you're not ready to do that yet.
I wanted to make sure that you had an opportunity to see what it looked like.
While we're just finishing up the video, James is going to go ahead and send me $1 back just
so that we can see what happens when that pops up on the screen.
Hey, thanks so much for checking out this video!
It's videos like this that help us all better understand how to use our technology.
There's the payment from James, it popped right up and I can see that that payment happened.
Now I have $10 back in my Apple Pay Cash account, so everything is all good and I have $10 to
use until next time or, of course, I can transfer that out into my bank account.
So, that's going to do it for this video.
Click on that subscribe button to subscribe to our channel because we produce a lot of
tips and tutorial videos like this as well as reviews and stuff on technology, in case
your interested.
If you have any questions about Apple Pay that I can try and answer for you, leave that
in the comment section below.
I also have some links to some of these items, maybe you were thinking about getting an iPad
or an Apple Watch, or a new case for your iPhone, there's a few links down in the description
below that will take you over to Amazon where you can see some of the cool things that are
available for these devices.
Thanks again for watching this video.
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button.
We hope to see you back here soon on State of Tech.
Thanks a lot.