How to Receive Money from Apple Pay

Apple Pay offers a streamlined, secure way to receive personal or business payments. Here’s how to make sure you receive your funds efficiently.

Method 1: Accepting a Personal Payment

1. Open Wallet
   • Launch the Wallet app on your home screen. It should have a colorful wallet icon.
   • Requirements:
     • You must be at least 18 and living in the United States.
     • Have an iPhone/iPad running iOS 11.2 or later or an Apple Watch with watchOS 4.2 or later.
     • Enable two-factor authentication for your Apple ID.
     • Add a bank debit card to your Apple Pay.
2. Find and Select Your Card
   • Locate your payment card and tap on it.
   • You’ll see a list of recent transactions beneath the card image.
3. Select the Payment to Accept
   • Tap on the transaction you wish to accept.
   • You’ll see all canceled, declined, or accepted transactions.
4. Tap Accept
   • Click “Accept” to confirm receipt of the payment.
   • Your funds will now be available in your Apple Cash balance. You can use them with Apple Pay vendors or transfer them to your bank account.

Method 2: Accepting a Business Payment

1. Obtain an NFC-Enabled Terminal
   • Acquire a point-of-sale terminal that supports Near Field Communication (NFC). Square offers a convenient option at squareup.com.
   • You’ll also need:
     • A merchant account provider or Independent Sales Organization (ISO)
     • A payment processor
     • A merchant ID (MID) or account number
     • A way to contact your merchant account provider
2. Set Up Your Reader
   • Make sure the NFC terminal is visible and accessible to customers.
3. Prompt Customers to Tap Devices Near the Reader
   • Customers should hold their iPhone, iPad, or Apple Watch near the terminal.
   • Once four green lights appear and a chime is heard, the payment is accepted.
4. Transaction Receipt
   • The customer will automatically receive a receipt in their Wallet, while your business records the transaction in its system.