If you’ve never used it before, here’s a quick guide to getting it set up.
To find Apple Pay, tapUtilities>Wallet.
An explanation of how Apple Pay works appears on the screen.

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Read it and then tapContinue.
TapCredit or Debit Cardto select an existing card or add a new card.
If there are cards tied to your Apple account, they will appear on the next screen.

If one of those is the card you want to use, select it.
To add a new card, tapAdd a Different Card.
You’ll be prompted to scan a card.
Do that, and then tapContinue.
If the card won’t scan, you might also enter the card information manually.
You’ll be promoted to add the security code for the card.
Do that and tapContinue.
Once the card has been added, you’ll receive a confirmation screen.
You may be prompted to read and agree to the Terms and Conditions.
If so, read through the provided information and tapAgree.
If you tapDisagreeyou won’t be able to add your payment card.
Another explanation screen appears that outlines how to use Apple Pay.
Read it and tapContinueto return to your Wallet.
This only works in stores that accept Apple Pay.
You’ll know they do when you see one of the Apple Pay symbols.
Apple pay opens to your default card.
Hold your phone up and authenticate the transaction with using Face ID.
you’re free to also use a different card if you have more than one in your wallet.
Once your default card appears, tap it and then choose the card you want to use.
Then hold the phone near the payment terminal until you seeDoneand a blue checkmark displayed on your screen.
Then, drag that card to the front of all the cards you have listed.
This will make it the default.
Scroll down and tapWallet & Apple Pay.
choose the new card you want to use as a default.
Then, open your Wallet and tapApple Pay Cash card>three dots>Add Money.
There’s no way to directly send money from Apple Pay toCash App.
If you don’t see the Apple Cash button, tap theApp Storeicon.