Use desktop/iPad to manage Apple Pay for family sharing accounts
Can I turn on Apple Pay for children’s accounts in family sharing from my desktop or iPad?
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These links may have that answer - To set up Apple Cash Family you must first close any accounts that children already had. Make sure that the balance is zero then go here - Manage your Apple Cash account - Apple Support next, go here - Set up and use Apple Cash Family. (Additional support links View and limit your child or teen's Apple Cash activity, Leave Apple Cash Family, Apple Cash and person to person payments limits)