How to Get Money off Apple Pay without a Card
Apple Pay is a popular mobile payment and digital wallet application that allows users to make payments at physical stores, online, and in-app purchases. Using a debit or credit card, users can add funds to their Apple Pay account and make transactions with just a touch of their iPhone or Apple Watch. However, what do you do when you have money on your Apple Pay Account, but you don’t have a physical card to access it? In this article, we’ll explore several methods for getting money off Apple Pay without a card.
Using Apple Pay Cash
Apple Pay Cash is a payment feature that allows users to send and receive funds using their iPhone or Apple Watch. With Apple Pay Cash, users can easily add money to their account and send it to their bank account. To transfer funds to your bank account without a physical card, follow these steps:
- Open the Wallet App and select Apple Pay Cash
- Select Transfer to Bank
- Enter the amount you want to transfer
- Select your bank account and tap on Next
- Verify your transfer with Face ID, Touch ID, or your passcode
Once you receive a confirmation message, you can expect the funds in your bank account within three to five business days.
Getting Direct Deposit
Another way to get money off Apple Pay without a card is by setting up direct deposit with your employer or institution. Direct deposit is a convenient and secure way to receive funds. Here’s how you can set up direct deposit:
- Get your employer or institution’s direct deposit form
- Provide your Apple Pay Cash account information, including your routing number and account number
- Submit the form to your employer or institution
Once the direct deposit is set up, your funds will be automatically deposited into your Apple Pay Cash account every pay period. You can easily transfer the funds from your Apple Pay Cash account to your bank account using the steps mentioned above.
Making Online Purchases
Apple Pay is widely accepted by many online retailers, including large brands such as Nike, ShopBop, and Etsy. With Apple Pay, you can make secure purchases online without the need for a physical card. Here’s how to use Apple Pay for online purchases:
- Choose Apple Pay at the checkout process and complete payment with either Face ID, Touch ID, or your Apple Watch
- Verify your purchase to complete the transaction
Some online retailers may require additional information, such as your shipping address, email address, and phone number. Make sure to have this information readily available to avoid interruptions during the checkout process.
Sending and Receiving Funds
Another way to access the funds on your Apple Pay account is by using the iMessage app to send and receive cash. It’s a convenient way to transfer funds to friends, family, and businesses. Here’s how you can use iMessage to send and receive funds:
- Open the iMessage app and select the person to whom you want to send money
- Tap on the App Store icon and select Apple Pay
- Enter the amount you want to send
- Verify your payment with either Face ID, Touch ID, or your Apple Watch
Upon successful verification, the recipient will receive a notification to accept the payment. Funds will be added to their Apple Pay Cash account, which they can transfer to their bank account using the steps mentioned above. This feature is available in the US only.
Digital Wallet Transfers
Finally, you can transfer funds from your Apple Pay account to other digital wallets such as PayPal, Venmo, or Google Wallet. Here’s how to do it:
- Open the digital wallet app of your choice and select Add Money
- Select Apple Pay as the source of your funds
- Enter the amount you want to transfer and complete the transaction
Make sure to check if the digital wallet allows the transfer of funds from Apple Pay before attempting the above steps.
Conclusion
Getting money off Apple Pay without a card can seem challenging at first, but with the above methods, it is possible. Whether you choose to use Apple Pay Cash, direct deposit, online purchases, iMessage, or digital wallet transfers, all these options provide a way to access your funds without a physical card. Take advantage of these methods today and experience the convenience of Apple Pay.
