Apple Pay Cash October Launch: How, Where To Use Near You

The Apple Pay Cash card feature will launch in October after missing the iOS 11 and watchOS 4 release, 9to5Mac reported.

Apple revealed new features for Apple Pay, including the Apple Pay Cash card and person-to-person payments, at its Worldwide Developers Conference in June. iOS 11 and watchOS 4 were released last week, however the Apple Pay features were not included in the updates.

A footnote at the bottom of the Apple Watch Series 1 website said Apple pay Cash is “coming in late October,” 9to5Mac spotted. Meanwhile, web pages for the Apple Watch Series 3 and iPhone 8 say Apple Pay Cash is “coming this fall.”

A day prior to iOS 11 and watchOS 4’s release, Apple confirmed Apple Pay improvements would come afterwards in updates to the new operating systems.

Betas for iOS 11.1 and watchOS 4.1 released this week did not include the Apple Pay Cash feature, 9to5Mac said. However, the features could be released in the official releases of the updates.

When users receive money added to your Apple Pay Cash card they’ll be able to “start using the cash right away to make purchases using Apple Pay in stores, in apps, and on the web,” Apple says on its site. Apple Pay is currently accepted at major retailers and restaurants. Companies that take Apple Pay are: Starbucks, Trader Joe’s, Whole Foods, Subway, McDonald’s, Dunkin’ Donuts, Sephora, Uber, Lyft, GrubHub, Panera Bread, Chick-Fil-A and more.

Apple Pay Cash Card And Person-to-Person Payments

Apple said users will be able to make person-to-person payments with Apple Pay on iMessage. The Message app will have the ability to detect when someone tells the user money is owed during a conversation. The iPhone or iPad will then show Apple Pay in iMessage as a suggestion where it usually predicts the next word the user should type.

The money the user receives will be applied to the person’s Apple Pay Cash card. With the card, users can use the funds in it to send money to others through their device, make purchases in stores or online and transfer funds to their bank account.

The new features mean users won’t have to download other apps for person-person payments, like Venmo and Zelle services that are linked with banks like Chase.

However, there may be additional steps users will have to take for the Apple Pay Cash feature. Users might have to scan a photo ID, such as a state ID, to use the service, according to iHelp BR. The site found in the iOS 11 beta a line that read: "Verify your identity to continue using Apple Pay Cash," while another said “position your driver's license or identity with photo on the [camera's] frame.”

The ID requirement might be a way to implement an age barrier. The age limit could be in response to a 2014 case Apple settled with the Federal Trade Commission over unauthorized in-app transactions made by kids.

Apple Pay Video Tutorials

Last week, Apple released video tutorials regarding Apple Pay, one on paying with the Touch ID and another on adding credit or debit cards on the iPhone. Apple also had a video on the upcoming Apple Pay Cash feature, however that clip is no longer available.