Open the Messages app
Start or open a conversation with the person sending money
Tap the Apple Pay button in the message composer or tap the Apple Cash message
Enter the amount if you are requesting money
Send the request
If someone sends you money, tap Accept in the Apple Cash message
Authenticate with Face ID, Touch ID, or passcode
Make sure Apple Cash is set up in Wallet
Make sure your Apple ID, region, and device support Apple Cash
Add a debit card to transfer the money to your bank if needed
Check your Apple Cash balance in Wallet
Use the money with Apple Pay or transfer it to your bank account