The Apple Cash Virtual Card is a game-changer for anyone who wants to make online payments without the hassle of physical cards. It's accepted globally, making it a great option for international travelers.
You can use your Apple Cash Virtual Card to make purchases online, in-app, and in-store. It's accepted wherever Apple Pay is accepted, which is a huge network of merchants.
The virtual card is linked to your Apple Cash account, and you can manage it right from your iPhone or iPad. This makes it super easy to keep track of your transactions and stay on top of your finances.
The Apple Cash Virtual Card is also protected with robust security features, including zero-liability protection and encryption. This gives you peace of mind when making online payments.
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Getting Started with Apple Cash
To get started with Apple Cash, you'll need to set it up for anyone in your family under 18, which is easy and secure.
You can easily and securely send money for allowance, shopping, or just because, and even set up recurring payments to keep allowances on a schedule.
The funds go right to their own Apple Cash card in Wallet, ready to spend with Apple Pay, or they can transfer the money to their bank account to save for the future.
You can view your child's balance and activity at any time, and apply certain restrictions to their account for your peace of mind.
To use Apple Cash's virtual card feature, you'll need to opt into Apple's beta program, which involves going to beta.apple.com and signing in with your Apple ID.
Once you've opted in, you'll receive a popup when opening the Apple Cash app, asking if you want to set up a virtual card number.
Users can agree or select no thanks, and if they opt out, the feature can be enabled later through the app's settings.
The Apple Cash virtual card works exactly like the Apple Card version, with a rotating CVV code, and users can request a virtual new card number from inside the app whenever they wish.
To use the virtual card, you'll need to generate a new card number as often as you feel comfortable, and proceed to use that card number when shopping online.
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Using Apple Cash
You can easily send and receive Apple Cash in Messages, in Wallet, or with Tap to Cash by simply holding your iPhone near someone else's.
To send Apple Cash, select your Apple Cash card in the Wallet app, tap "Send or Request", then Tap to Cash. You can even add Tap to Cash to Control Center for easy access.
Tap to Cash is a simple way to send or receive Apple Cash with iPhone or Apple Watch in person, without sharing email addresses, phone numbers, QR codes, or user names.
You can also send and receive money directly in the Wallet app, even see a select list of people with whom you've exchanged money in the past.
To use Tap to Cash, authorize your payment with Face ID, Touch ID, or your passcode, then hold your device near someone else's.
The funds you send or receive go right to their own Apple Cash card in Wallet, ready to spend with Apple Pay, or they can transfer the money to their bank account to save for the future.
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You can view your child's balance and activity at any time, and apply certain restrictions to their account with Apple Cash Family.
With Apple Cash, you can spend your money in stores, online, and in apps with Apple Pay, or use your virtual card number to spend Apple Cash online and in apps – anywhere Visa is accepted.
You can even add funds from your Apple Cash card and other bank accounts to build your savings more quickly, and automatically deposit your Daily Cash into a high-yield Savings account to earn interest over time.
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Security and Privacy
Apple Cash is designed to be more secure than a traditional debit card, using Face ID or Touch ID to authenticate your transactions.
Your virtual card number comes with a security code that frequently rotates to help protect against fraudulent purchases. This adds an extra layer of protection to your transactions.
Apple never sells your personal data, and we don't share your personal data with others so they can market to you. Your transaction history and spending habits stay private.
Advanced Security
Apple devices offer advanced security features that provide peace of mind. Face ID or Touch ID is used to authenticate transactions, ensuring that only the owner can make purchases.
Using a device-specific number and unique transaction code, Apple Pay transactions are highly secure. This technology helps prevent unauthorized purchases.
Your virtual card number has a security code that frequently rotates to help protect against fraudulent purchases. This feature adds an extra layer of security to your transactions.
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Data Privacy
When you use a service that handles your financial transactions, you want to know your data is secure. Apple Cash is designed to protect your privacy, and they never sell your personal data.
Your transaction history and spending habits stay private, and Apple doesn't share your personal data with others so they can market to you. This means your financial information is kept confidential.
Viewing and Managing Your Card
To view your Apple Cash virtual card number, expiration date, and security code, simply open Wallet, tap your Apple Cash card, and then tap the More button and select Card Number. You'll be prompted to authenticate with Face ID, Touch ID, or your passcode.
If you don't see your virtual card number, you can set it up by tapping Settings, then scrolling down and tapping Wallet & Apple Pay. From there, tap your Apple Cash card and then Card Information to access the setup process.
To request a new virtual card number, simply follow the same steps as above, tap Request New Card Number, and then tap Request again.
How to View Your Card Number
To view your Apple Cash virtual card number, expiration date, and security code, you'll need to access the Wallet app on your device. Open Wallet and tap your Apple Cash card.
You can then tap the More button and select Card Number to reveal your virtual card details. You'll need to authenticate with Face ID, Touch ID, or your passcode to confirm your identity.
Alternatively, if you don't see your virtual card number, you can follow the steps outlined in the Wallet app to set it up. This involves tapping Settings, then Wallet & Apple Pay, and finally selecting your Apple Cash card to access its information.
Here are the steps to view your virtual card number in a concise format:
- Open Wallet and tap your Apple Cash card.
- Tap the More button and select Card Number.
- Authenticate with Face ID, Touch ID, or your passcode.
If you've already set up your Apple Cash card, you can access your virtual card number by following these steps. If not, you can set up your card and then view your virtual card number.
Bank Transfers
You can easily load money onto your card from your debit card, so you're always ready to spend and send.
It's also simple to move money from your card to your bank account, giving you flexibility and peace of mind.
You can use your card to spend and send money with confidence, knowing you have options to manage your funds.
Loading money from your debit card to your card takes just a few steps, making it a convenient way to top up your balance.
Moving money from your card to your bank account is just as straightforward, allowing you to access your funds whenever you need them.
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Features and Benefits
Apple Cash uses Apple Pay to make shopping fast, safe, private, and easy.
Over 85 percent of retailers in the U.S. accept Apple Pay, giving you a wide range of options for shopping with your Apple Cash card.
You can shop with your Apple Cash card in a store, online, or in an app, making it convenient for your daily purchases.
Accepted Worldwide
You can shop with your Apple Cash card almost anywhere, thanks to Apple Pay's impressive acceptance rate of over 85 percent of retailers in the U.S.
This means you can use your card in stores, online, or in apps, making it incredibly convenient.
Apple Pay is accepted by millions of places, so you can shop with confidence, knowing your money is safe and secure.
Alternatives
If you're not an Apple user, you can create virtual numbers in Samsung Pay Cash, which works similarly to Apple's feature.
Samsung Pay Cash is exclusive to Samsung Galaxy users, but Google Wallet offers a similar service that can be used by any Android phone owner.
Related reading: How Does Samsung Wallet Work
Several banks and other payment services offer virtual credit and debit card numbers, so it's worth checking if your bank offers this service.
You can use virtual numbers to keep your accounts safe when shopping online, and by doing so, you'll be putting your actual card details into the hands of as few companies as possible.
Frequently Asked Questions
Does Apple Pay have a digital card?
Yes, Apple Cash has a digital card that lives in Wallet, allowing for secure and easy transactions. This digital card can be used for purchases in stores, online, or in apps with Apple Pay.
Does Apple Pay have a virtual card number?
Yes, Apple Pay has a virtual card number, which can be found in the Wallet app for online or in-store purchases where Apple Pay isn't accepted. This virtual card number is unique to each account holder in Apple Card Family.
Does Apple Cash have a virtual card number?
Yes, Apple Cash has a virtual card number that can be accessed through the Wallet & Apple Pay settings. To view it, tap your Apple Cash card and authenticate with Face ID, Touch ID, or your passcode.
Sources
- https://support.apple.com/en-us/119943
- https://www.apple.com/apple-cash/
- https://www.cnet.com/tech/services-and-software/your-iphones-apple-cash-now-has-virtual-card-numbers-heres-how-to-use-them/
- https://www.slashgear.com/1519348/apple-cash-virtual-card-number-guide/
- https://support.apple.com/en-us/109305
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