How do you send apple pay to a person with no reader
how do you use apple pay without a reader
Question marked as
You cannot. Apple Pay requires a NFC terminal and reader.
If you want to send money to a physical person rather than a store, and you are in the US, then you can do so though Messages. click here for details: link ➜ Send, receive, and request money in Messages on iPhone (U.S. only) - Apple Support