To send money through Apple Pay, you primarily use Apple Cash, a digital card in your Wallet app that lets you send and receive money quickly and securely. Here are the main ways to send money via Apple Pay:

Sending Money Using the Messages App

1. Open the Messages app on your iPhone or iPad.
2. Start a new iMessage conversation or open an existing one with the person you want to send money to.
3. Tap the Apple Cash button (a black Apple Pay icon) next to the message entry field.
4. Enter the amount you want to send.
5. Tap Send , then confirm by double-clicking the side button and authenticating with Face ID, Touch ID, or your passcode.
6. The money is sent immediately from your Apple Cash balance

Sending Money via the Wallet App

1. Open the Wallet app on your iPhone.
2. Tap your Apple Cash card.
3. Tap Send or Request.
4. Choose a recipient from your contacts or enter their details.
5. Enter the amount you want to send.
6. Confirm the payment and authenticate it to send the money

Important Notes

• Money sent and received via Apple Pay is handled through your Apple Cash card.
• You need to have Apple Cash set up and funded, which you can do by linking a bank account or debit card and adding money to Apple Cash.
• Both sender and recipient must be in the United States and use iMessage to send or receive money through Messages.
• You can also choose a different payment card in Wallet to fund the transfer if you prefer, but by default, it uses your Apple Cash balance

This process makes sending money fast, secure, and integrated directly into your iPhone's messaging and wallet system.