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Question: iOS 11--Apple Pay Cash popup in iMessages looks like phishing attempt

The captive dialogue pops up and blocks access to iMessages with the only option being "Continue". No obvious way to bypass, skip, or exit. Exiting iMessages and relaunching provides the same insidious popup, so I thought malware had invaded iMessages. After googling it, I found that Apple Pay Cash was a new feature of iOS 11, and perhaps legitimate. However, after seeing what the feature is, I don't need it nor want it, nor be forced to "Continue" to set it up.

I then went to Settings, selected Wallet and Apple Pay and turned off Apple Pay Cash. Even then the unwanted iMessages pop up blocked access to my messages, so I still had to select the dreaded "Continue" button, but just once. This caused the captive popup to flash once and thankfully disappear, hopefully forever.

So I seemed to have solved my immediate issue and hope this helps someone else, but my remaining question is when will Apple fix this invasive setup approach for Apple Pay Cash in iMessages? Where's at least the "Skip this step" option? Apple product managers should not assume that users want every feature...

iPhone 6, iOS 11.2.1

Posted on


Dec 22, 2017 2:10 PM in response to Jonathan UK In response to Jonathan UK

Dear Jonathan,

Thank you very much for providing the link to the site permitting me to provide Apple with feedback about their decision to hold my texting capability hostage. I needed to send a fairly urgent text today and was unable to do so for quite some time because of the stupid "Send Money With Apple Pay" pop-up that blocked my texting capacity. Like the OP, I finally pressed "Continue" because nothing else had worked, and I *NEEDED* to send that text. It was gratifying (if probably fruitless) to be able to express my outrage to Apple at their stunt. Again, thanks.

Dec 22, 2017 2:10 PM

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Dec 22, 2017 2:15 PM in response to KVinDC In response to KVinDC

Hi, KVinDC,

I was also blocked from sending texts by the "Send Money Using Apple Pay" pop-up until I clicked on "Continue." I don't understand how it is legal for Apple to hold a basic phone function hostage in this manner. Now that I have "expressed interest" in Apple Pay -- albeit out of desperation to be able to send a text -- I'm concerned about whether Apple will take it upon themselves to use my credit card information to set up Apple Pay even though I absolutely don't want it. If I didn't loathe Android quite so much, I would take my new iPhone and sell it on E-Bay.

Dec 22, 2017 2:15 PM

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Dec 23, 2017 2:38 PM in response to Mrjuarez In response to Mrjuarez

Not to worry. If you first turn off Apple Pay Cash in Settings, then “Wallets and Apple Pay”, then you will still have to select Continue in iMessages once, but at that point the Apple Pay Cash feature is turned off and the pop up goes away. It doesn’t appear again the next time you go into iMessages.

The fact that the pop up still comes up after turning off Apple Pay Cash appears to be poor programming/coding. Apple Pay Cash is definitely turned off. If you start to type an iMessage, then click the A-shaped icon, you are first alerted that “Apple Pay Cash Has been turned off on this device.” Thank goodness!

Dec 23, 2017 2:38 PM

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Dec 24, 2017 9:16 AM in response to KVinDC In response to KVinDC

Apple has really lost their way. It's like they've hired a bunch of high school kids without any experience to design their interfaces and functions. Something like this (and 100 others) should never have made it past the first suggestion, much less into the product. Where is the oversight? I think it's long gone.

Dec 24, 2017 9:16 AM

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Dec 24, 2017 1:49 PM in response to KVinDC In response to KVinDC

Hi. Thanks for posting this. I refused to hit the continue button. I had a total of four text messages all sent at the same time which I was unable to see, and the dreaded Apple Pay kept coming up and not leaving the screen. I disabled Apple Pay and deleted all my card info, then I Reset All Data as suggested by another poster.

After resetting, I was able to see all four texts messages. No text messages were from Apple Pay. Three of the texts messages were disabling service alert messages from 1) my bank, 2) from my automobile club, 3) and UPS. The fourth message was from "Verify Phone Query: You will receive no further messages from this service. Questions? Please call 888-511-2**1."

This fourth text is from Wireless Armor ( And how convenient, they are promoting security alerts to your phone and immediate notifications related to your Wireless Armor account. I don't believe this issue has to do with promotion of Apple, or Apple Pay. I believe these guys (Wireless Armor) have found a convenient and clever way to hack and disable all security alerts set up, and promote their service. Wow! How convenient....I think I've been hacked and a timely message from this company comes up to save the day. I think Apple needs to look at this security breach asap. It is disturbing to think my bank's security alerts to my phone can be disabled, as well as any other service alerts I've subscribed to.

TIme to change my bank and other passwords asap too, but that's just me.

<Personal Information Edited by Host>

Dec 24, 2017 1:49 PM

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Dec 24, 2017 2:20 PM in response to HaoleKai In response to HaoleKai

Probably, and thanks for the link...but...."The biggest new feature of iOS 11.2 is Apple Pay Cash (only in the U.S., for now)." ... I am not even in the US. What a waste to promote something to users who can't even use it. If this is an Apple promotion I am ******. This is hostage text.

Dec 24, 2017 2:20 PM

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Jan 12, 2018 12:10 PM in response to KVinDC In response to KVinDC

I have same problem after the iOS11 update. I found a way to avoid the pop up temporary without hitting that Continue button nor changing anything in my phone setup. This is my method. When you launch the iMessage app from your home screen, touch and hold the iMessage app button until the "write new message" dialog pops up. Select write new message. Don't choose existing thread. Otherwise Apple Pay cash pop-up again. After selecting write new message, you can either write a new message or hit cancel to exit from writing new message. Then you will be back to your familiar iMessage screen. You can view, reply or write new messages. I still hope Apple will fix this hyjacking pop-up ASAP. Many people around the world don't use Apple Pay at all.

Jan 12, 2018 12:10 PM

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Question: iOS 11--Apple Pay Cash popup in iMessages looks like phishing attempt