Open the Messages app
Start or open a conversation with the person you want to pay
Tap the Apple Pay button or the App Store icon, then select Apple Cash
Enter the amount you want to send
Tap Pay
Review the payment details
Authenticate with Face ID, Touch ID, or your passcode
Wait for the payment to be sent
If needed, add money to Apple Cash from your debit card or bank account first
Make sure both you and the recipient have Apple Cash available and are in a supported region