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Apple Pay Cash charges you?
- Thread starter eclipse01
- Start date
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I would say he is using a credit card. Cause if it is a debit, I doubt this happens.
gwang73
macrumors 68030
Yes, ApplePay charges the standard 3% fee due if you use a credit card. Technically, it's the credit card fee, not Apple. You can avoid the charge by using your debit card to make ApplePay payments.
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It's charged to and paid by the retailer, that's why you don't see it when purchasing stuff.
kissfan
macrumors 6502
If you’re talking person-to-person I’ll stand corrected as I haven’t used that. It wasn’t clear from the OP. But buying at a merchant does not add anything. If I buy a soda at 7-11 for a dollar, it’s a dollar charged to me, not $1.03.
kissfan
macrumors 6502
gwang73
macrumors 68030
I think this is the OP's concern:
If you send money via ApplePay using a credit card, the sender gets charged 3% on top of what they send. For instance, if you send $10.00, you will be charged $10.30. The receiver gets a payment of $10.00.
kissfan
macrumors 6502
That makes sense. I was looking at retail purchases where the merchant eats the processing fees.
I’ll have to keep that in mind. Thx.
jhall8
macrumors 6502
dcp10
macrumors 6502a
From Apple
There’s no fee to use Apple Pay Cash with a debit card. If you send money using a credit card, there's a standard 3% credit card fee on the amount funded with a credit card.
From PayPal
There are no fees within the U.S. to send money to family and friends when you use only your PayPal balance or bank account, or a combination of your PayPal balance and bank account.
There is a fee to send money as a personal payment using a debit card or credit card. The fee in the U.S. is 2.9% plus $0.30 USD of the amount you send. For example, if you send $100.00 USD by credit card, the fee would be $3.20 USD ($2.90 + $0.30)
There’s no fee to use Apple Pay Cash with a debit card. If you send money using a credit card, there's a standard 3% credit card fee on the amount funded with a credit card.
From PayPal
There are no fees within the U.S. to send money to family and friends when you use only your PayPal balance or bank account, or a combination of your PayPal balance and bank account.
There is a fee to send money as a personal payment using a debit card or credit card. The fee in the U.S. is 2.9% plus $0.30 USD of the amount you send. For example, if you send $100.00 USD by credit card, the fee would be $3.20 USD ($2.90 + $0.30)
So basically Apple Pay Cash.
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Seems like it's more or less in line with what it's like with PayPal:
I just use Zelle in my chase app. Everyone I know uses that. And cause of that. I haven’t really found the need to use Apple Pay.