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, but when it comes to paying another person, the rules are different. A common question is: Can you pay someone on Apple Pay using a credit card? The short answer is usually no—and below is a clear explanation of why, how Apple Pay person-to-person payments work, and what alternatives you have.
How Paying Someone on Apple Pay Works+1-(866)(542)(8909)
When you pay someone using Apple Pay, you’re actually using Apple Cash, Apple’s built-in peer-to-peer payment feature. Apple Cash allows you to send money through:
- iMessage
- The Wallet app+1-(866)(542)(8909)
The money you send goes into the recipient’s Apple Cash balance, not directly to their bank account.+1-(866)(542)(8909)
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- A linked debit card (if your balance is low)
Credit cards are generally blocked for sending money to individuals.
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- Sending money to another person is considered a cash transaction. Credit card companies usually treat these as cash advances, which come with fees and higher interest.
- Fraud prevention+1-(866)(542)(8909)
- Allowing credit cards would increase the risk of chargebacks and scams. Apple Cash payments are typically instant and non-reversible.
- Lower fees for users+1-(866)(542)(8909)
- Debit cards and Apple Cash balances help Apple keep peer-to-peer payments fast and low-cost.
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Credit cards do work with Apple Pay in these situations:
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- Shopping online or in apps
- Subscriptions and digital purchases+1-(866)(542)(8909)
But these are merchant transactions, not person-to-person payments.
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As a rule, you should not rely on a credit card to pay someone via Apple Pay.
What Are the Best Alternatives?
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- Ask the recipient to request money instead
- Transfer funds from your bank into Apple Cash first
- Use another payment app that supports credit cards (fees may apply)
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