Why I can’t send money through Apple Pay

Hi deidra75,

Thanks for posting in Apple Support Communities.

If you're unable to send Apple Cash, you want to make sure you meet all criteria to do so.

What you need to send or receive money

To send and receive money using Apple Cash, you must be a resident of the United States and your device must be in the United States.1 If you're under 18 years old, your family organizer must set up Apple Cash for you as part of Apple Cash Family. Then, you can send and receive money in Messages or Wallet.

To make sure that you have everything you need, follow these steps: 

1. Check for iOS or watchOS updates.

2. Make sure that your device is eligible.

3. Make sure that you have a Wi-Fi or cellular connection. 

4. Sign in to iCloud and iMessage with the same Apple ID on any device that you want to use to send or receive money:

* iCloud: Tap Settings > [your name].

* iMessage: Tap Settings > Messages > Send & Receive.

If you can't send or receive money with Apple Cash - Apple Support

If you meet all criteria, but still having issues, provide additional details on what happens.

Regards.