Top 4 Methods On How To Add Money To Apple Pay Without A Debit Card

Since the advent of smartphones and iPhones, among other things, a technological advancement that has taken place is the ability to make transactions using the phone itself. Linked to various payment apps and all your bank accounts embedded in them makes it easier to perform a cashless transaction for day-to-day purchases. Apple Pay is one such payment gateway that allows users to transfer money using their phones. Money is top-up to the account using credit/debit cards. However, what can be possibly done in the absence of a debit card? We shall look into such a situation and understand how to add money to Apple Pay without a debit card.

The virtual payment gateway, Apple Pay, is exclusively created for iPhone users and users of Apple devices. You can add and transfer money to other Apple users using Apple Pay. The money stored on your Apple Pay account is Apple Cash. This is deposited, most commonly using a credit or debit card. However, in many cases, users prefer not to use their debit cards to add money. In this article, we shall explore other ways of adding money to your Apple Pay account without a debit card.

Do not uninstall Apple Pay right away if you don’t have a debit card! Read on and find another method to deposit!

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Setting Up Apple Pay Without A Card

Instead of understanding how to add money to Apple Pay without a debit card, let us first understand how to set up Apple Pay without a card.

1. Search for the “Apple Pay Cash” option from the Wallet application available on your iPhone.
2. Using the appropriate option, go ahead setting up Apple Pay Cash.
3. A window asking you to add a debit card opens up. Click on the “Add Debit Card Later” option and continue.

4. Furnish all documentary evidence required for verifying your identity.

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How To Top-Up Money To Apple Pay Without Using A Debit Card?

There are different ways to top-up Apple pay without using a debit card. We’ll look at them one by one.

Friends, family, And Apple Pay Users

You can always ask your friend, family, or any other apple pay user to transfer your money to your Apple pay.

Fund Transfer

The simplest way of infusing funds into your Apple Pay account is by asking a fellow Apple Pay user to transfer funds into your account.

The best part of an Apple Pay account is the fact that even if your account isn’t in link with a debit card, you can still receive money from other sources. This addresses the issue of whether you can receive money on Apple Pay without a card.

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Card Payment

While you may not have a functional debit card, your fellow Apple Pay users who have a debit card can add money to your account using their credentials.

Using A credit card

A practical solution on how to add money to Apple Pay without debit card is to use a credit card. Another benefit of a credit card is that users often earn reward points for recharging their Apple Pay account using a credit card.

1. From the app list, open the Wallet app.
2. Now opt for “Apple Pay Cash Card.”
3. Locate the option to add money and select it.
4. Add the required amount.
5. In subsequent steps, it will ask for your credit card number, CVV, and other details. Enter these details carefully.

6. If an OTP is sent to the number in link to your credit card, confirm the OTP.
7. Upon entering the OTP, the amount adds up.
8. A drawback of this is that only a US-based credit card is authorized to add money to Apple Pay accounts.

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Using A Prepaid Debit Card

A prepaid debit card is a low-cost card without having a bank account. Available online and in retail stores, this card has very few requirements for registration and is easy to use. Prepaid debit cards can not only be used by users without a debit card, but users without a bank account can also use these cards as well!

1. From the app list, open the Wallet app.
2. Now opt for “Apple Pay Cash Card.”
3. Locate the option to add money and select it.
4. Add the required amount.
5. Link your prepaid debit card with the Apple Pay account by entering details such as card number, date of birth, name, etc.

6. If your prepaid debit is short on funds, then top it up and proceed with the transaction.
7. Most prepaid debit cards are US based or owned by US banks/companies, so you don’t have to worry about compatibility issues to add funds to the Apple Pay account.
8. A small drawback of prepaid debit cards is the fact you continuously keep adding funds to them as they are not in connection with your bank account.

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Apple Cash Card

If you are still wondering how do you add money to Apple Pay, you may want to use your Apple Cash Card. While this will add money to your Apple Pay wallet, you would still need a debit card or another payment methods to add money to your Apple Cash Card first.

1. From the app list, open the Wallet app.
2. Now opt for “Apple Pay Cash Card.”

3. Locate the “info” and select it to deposit money.
4. You can transfer the required money to Apple Pay from the Cash Card.

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FAQ’S

Conclusion

With that, we have covered all possible ways that address the question of how to add money to Apple pay without a debit card. Apple Pay comes with a great variety of constraints, and we advise users to always have backup option in case they run out of money in their Apple Pay accounts. Regularly checking Apple Pay balance is the safest way to not become short of cash and crunch situations. Now that you have understood how to top up your Apple Pay account add some money and enjoy spending!

Learn how to generate a valid American Express Credit Card!

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