How to use own payment method with Family Sharing on iPhone
So can we each have our own credit card loaded to our individual phones for purchases?
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iPad Air 2, iPadOS 13
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Organisers for Family Sharing groups have a choice: either the payment method is set to their Apple iD account - typically a credit card - or the payment method is set so that individual members pay for their own purchases. This is called Purchase Sharing and is described in Apple's support document How to share purchases with your family. I've underlined the import part of the note.
Which payment method is charged for purchases that family members make?
When Purchase Sharing is turned on, everyone's purchases bill to the family organizer's payment method...
If you're the family organizer and you don't want to share a payment method with your family, turn off purchase sharing. When purchase sharing is turned off, you can continue to share subscriptions like Apple TV+ and Apple Arcade. When Purchase Sharing is turned off, everyone must use their own payment method.
