I sold an item to what turned out to be a family friend via a Facebook sales page back in December. When he showed up to acquire the item, he asked me if he could use Apple Pay to pay me. I was only vaguely familiar with it at the time, but I said sure, go ahead. If I have any problems with it, I will contact you later. I did check to see if the money has been deposited into my Apple Pay account. It had. I don’t believe I even tried to use it for anything until a couple of months later. Apple Pay does not automatically deposit the money into your bank account. You have to link that and then do the transfer whenever you want to. I have also used Apple Pay A few times since then to pay for things. First of course I spent the money that he had deposited to my Apple Pay account. After that, I have successfully used it in a couple of national vendors that except it. It just takes the money straight out of my bank account. It works pretty smoothly.