Apple Pay, cash, or card????

I’m so confused…will y’all please help me understand the difference…. I have Apple Pay…I tried applying for Apple Card but got denied quick….also, if I buy an Apple Card can I load it onto my Apple Cash account??

iPhone 13, iOS 16

Posted on Jun 13, 2023 12:22 AM

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Question marked as Top-ranking reply

Posted on Jun 14, 2023 12:50 PM

Hello LeAnnB1218,


Apple Pay, Apple Cash, and Apple Card are all different functions.


The Apple Card works as both a physical and digital credit card. It is associated with your bank checking account in order to make payments. You cannot buy an Apple Card, only apply for one.


Apple Cash is associated with Apple Pay, but it allows you to send and receive funds through Messages from other people. Apple Pay allows you to use that Apple Cash balance or other cards stored in Wallet in physical and virtual stores that accept it as a payment method. As described in the link prior, "Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app, you can use Apple Pay to make secure payments in stores, for transit, in apps, and on websites that support Apple Pay. In Messages, use Apple Cash to send and receive money from friends and family and to make purchases from participating businesses."


If you are looking to add funds to Apple Cash, then you'll want to visit: Add money to Apple Cash - Apple Support and that will explain how you can do so.


Thanks for using Apple Support Communities!

1 reply
Question marked as Top-ranking reply

Jun 14, 2023 12:50 PM in response to LeAnnB1218

Hello LeAnnB1218,


Apple Pay, Apple Cash, and Apple Card are all different functions.


The Apple Card works as both a physical and digital credit card. It is associated with your bank checking account in order to make payments. You cannot buy an Apple Card, only apply for one.


Apple Cash is associated with Apple Pay, but it allows you to send and receive funds through Messages from other people. Apple Pay allows you to use that Apple Cash balance or other cards stored in Wallet in physical and virtual stores that accept it as a payment method. As described in the link prior, "Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app, you can use Apple Pay to make secure payments in stores, for transit, in apps, and on websites that support Apple Pay. In Messages, use Apple Cash to send and receive money from friends and family and to make purchases from participating businesses."


If you are looking to add funds to Apple Cash, then you'll want to visit: Add money to Apple Cash - Apple Support and that will explain how you can do so.


Thanks for using Apple Support Communities!

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Apple Pay, cash, or card????

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