Since the launch of Apple Pay in the United States, the payment service has been expanded to Canada, France, Russia, Switzerland, the United Kingdom, Australia, Mainland China, Hong Kong, Italy, New Zealand, Singapore, Japan, Spain, Ireland, and Taiwan.
Apple debuted Apple Pay Cash with the iOS 11.2 update last Wednesday, Dec. 5. The payments using Apple's debit card will be free using Apple Pay Cash while transactions via credit card will be accompanied by a 3% fee, with a $3,000 Dollars limit set for individual payments. Each person to person payment and purchase made with Apple Pay Cash is authenticated with Face ID on iPhone X, Touch ID on other iPhone and iPad models or a secure passcode on Apple Watch. Anyone using the iMessage and Wallet apps will be able to receive and send money as soon as they update to iOS 11.2 and restart their devices. Finally, for debit or prepaid credit card to Apple Pay Cash transfers, there is a $10 minimum and a $3,000 maximum per transfer, with a $10,000 weekly limit. They can also choose to transfer it from Apple Pay Cash to their bank account.
The initiating person (the payer) loads the appropriate credit or debit cards into their phone to be used in ApplePay in the Wallet app.
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Apple says the transfers are secure on both ends of the transaction with Apple Pay.
Apple Pay now enables iPhone, iPad and Apple Watch users to send or receive money directly to and from friends, family members or any others using new Apple Pay Cash capabilities that have been added to Apple's 3-year-old payment services.
Meanwhile, Apple Watch users will need the latest watchOS 4.2 before they can start using Apple Pay Cash, according to 9to5mac. In June 2016, Apple Pay users gained the ability to make cash withdrawals from Bank of America ATMs using their iPhones.