The Gmail app for iPhone has recently gained a new functionality that allows you to send money to anybody with an email address. It is a feature that Android users have had access to for some time. This implies that you can send someone money perhaps to your daughter or son attending college all in the same text in which you are already composing.
It works with Google Pay, the firm’s payment service that competes with Venmo, PayPal, and Apple Pay Cash. Once you have linked a Google Pay account to your credit or debit card, using the service is simple.
- How To Set Up Google Pay
- How To Pay Someone With Apple Pay Through Email
- Fees And Limits
- What Should You Do If You Want To Dispute Or Cancel A Payment
- What Factors Make Apple Pay Safe
- Common Apple Pay Fraud Scenarios
- How To Avoid Apple Pay Scams
- What Should You Do If You've Been Scammed Through Apple Pay
- Bottom Line
How To Set Up Google Pay
To receive and send money using Gmail, you’ll need a Google Pay account.
- Visit the Google Pay website.
- On the left side of the site, click “Payment Method”.
- Select “Add Payment Method”.
You can now send cash using Gmail on your iPhone.
How To Pay Someone With Apple Pay Through Email
- On your iPhone, open Gmail.
- Simply type the email address of the person you’re sending to. They do not require a Gmail account.
- Enter any message or subject.
- Click the paperclip icon on the upper-right corner of the screen.
- Select “Send money” from the drop-down menu.
- Type how much you need to transfer (the maximum appears to be $0,999).
- Select the debit or credit card you wish to utilize from the drop-down menu next to the “From” section.
- Click “Attach Money”.
- Include a non-compulsory memo for the payment.
- Finally, send the message.
Fees And Limits
There are fees and restrictions when using Apple Pay Cash to send, receive, or exchange money.
- There are no fees if you use your debit card or Apple Pay Cash balance to send money. However, if the payment is made using a credit card, it costs 3% of the total amount sent.
- When it’s time to add funds to your Apple Pay Cash card balance, you must spend at least $10 and no more than $3,000. You’re also restricted to adding a maximum of $10,000 in a seven-day stretch.
- When it comes to money transfers or receipts, the minimum is $1 and the maximum is $3,000. And like with using your credit or debit card to add funds, you can send or receive up to $10,000 via Apple Pay Cash.
- To send money to your bank account, you must first have at least $1 and no more than $3,000 in a single transaction.
Apple Pay Cash is quite simple to use, so there isn’t much you can’t figure out if you know where the settings are.
What Should You Do If You Want To Dispute Or Cancel A Payment
- Tap the payment option in the Messages app after opening the conversation.
- The Wallet app will display your Apple Cash card. Tap the payment under Latest Transactions twice.
- Click Cancel Payment.
In case you fail to see Cancel Payment, the individual has already accepted the payment. Instead, ask the receiver to return the cash to you. Depending on your bank provide or card issuer, the money may take 1 to 3 working days to be refunded.
Personal payments made through Apple Pay are the same as any other confidential transaction between two individuals. If you can’t get your cash back or cancel the transaction, please contact us to file a dispute.
What Factors Make Apple Pay Safe
It’s not difficult to part with your cash using Apple Pay if you follow the steps outlined above. It might be daunting to entrust your money to technology. However, with Apple Pay, your personal information and bank data are very safe.
One of Apple Pay most significant benefits is that it includes credit card security features that other payment systems do not (unless your device is hacked or infected with malware). The following are the reasons why Apple Pay is safe:
- Complex Authentication Procedure: In case your iPhone is stolen, the thief won’t be able to make a purchase without entering the passcode or Face ID/Touch ID. Apple’s encryption ensures that even the secret service or relatives of the deceased owner can’t open it without the iCloud password or passcode.
- Tokenization: Your credit card number, CVV code, and expiration date are not shared with merchants when you use Apple Pay. Instead, it generates a one-time passcode. If a hacker intercepts this code, he won’t be able to steal your money. Apple Pay does not store your payment card information on either your phone or in its cloud system.
- Find My iPhone Functionality: Apple Pay is secure whether you’ve misplaced your phone or it’s been stolen, because you can deactivate your Apple Pay app using the Find My iPhone feature.
Related Article: How To Transfer Money From Venmo To Apple Pay?
Common Apple Pay Fraud Scenarios
Hackers and other scammers profit by discovering and then exploiting flaws in a variety of digital services and devices to steal your money. Here are some examples of Apple Pay frauds that might result in the loss of your hard-earned money.
1) Unsecured Wi-Fi
Free internet connections like those provided by public Wi-Fi networks are unquestionably a time-saving alternative (especially when you’re traveling and do not want to pay for data). Despite this, they may be insecure or utilize unsafe passwords such as “12345678”. When you use an unsecured Wi-Fi network, anyone on the same network can easily capture your payment card information if you input it to Apple Pay.
What You Need to Know About Public Wi-Fi
- When you’re not at home, don’t make any changes to your Apple Pay profile.
- Consider utilizing a Virtual Private Network if you must make quick adjustments.
- Reduce your use of public networks.
You may get fraudulent emails claiming that you have made a payment or will receive money as a casino win, lottery payout, or grant. Concerned, you might click the link to the Apple Pay website for prize money or a refund. As a result, you’ll be sent to a fake website where you must verify your payment details and essentially give away your credentials to hackers.
What Should You Do If You Receive A Phishing Email
Keep an eye out for suspicious emails and disregard those that:
- Contain suspicious attachments or unprofessional design.
- Have spelling mistakes, sloppy copy, and poor grammar.
- Contain shady website addresses and strange-looking links.
- Request personal information by phone, email, or text message.
How To Avoid Apple Pay Scams
The most common way you can be defrauded with Apple Pay is the same as any other payment system. Scammers imitate your choice of using Apple Pay to transfer money, seeming like it was your own decision.
A cybercriminal may feign to be a family member or a friend asking for cash using social engineering. They can contact you on social media and instant messaging applications. They frequently request that you make a purchase via a phony online store, transfer money to a fraudulent charity, or send them money directly (for instance, using Apple Cash). The following are ways to avoid an Apple Pay scam:
- Never send money to strange websites.
- Double-check all payments before completing your transaction.
- Inquire about additional information which only the person they are pretending to be would know.
- Block any strangers requesting cash.
What Should You Do If You’ve Been Scammed Through Apple Pay
- In the Wallet and Apple Pay application, search for the fraudulent transaction.
- Click transaction entry to cancel it.
- Contact the technical support of your bank with the details of the fraud.
- Send a request through your bank to cancel the payment.
Although Apple Pay is a very secure payment method for in-app, in-store, and internet purchases, it can’t be used with third-party applications. Even its sophisticated data security methods will fail you if you do not apply good judgment and recall the essential internet safety guidelines.
A large portion of Apple Pay’s security is based on your actions. Instead of speculating how safe Apple Pay is, focus on utilizing it with care, caution, and awareness.