Fix: Apple Pay Instant Transfer Not Working

Apple Pay is a platform to transfer money from one account to another for payments.

Apple Pay instant transfer means when you send money to someone, and they receive the money in a few seconds in their Apple Pay account. 

Apple Pay Instant Transfer Not Working

Apple Pay will not instantly transfer the money.

It will not work because it takes around 1 to 3 days for the funds to get transferred. You should have a Visa debit card if you want to transfer funds instantly.

You can transfer fund within 30 minutes.

Apple Pay Won’t Transfer Funds Instantly

You cannot transfer funds instantly through Apple Pay instantly.

It takes around 1-3 days for the funds to get transferred to your bank account. 

You should have a Visa debit card if you want to transfer funds instantly.

You can transfer fund within 30 minutes. Follow these steps to transfer funds instantly-

  1. Open Apple Pay wallet App.
  2. Click on Apple cash card. 
  3. Then, tap on three dots covered with a circle on the top right corner.
  4. Click on ‘transfer to bank’.
  5. Type how much amount you want to transfer and proceed.
  6. Then, click on ‘Instant Transfer’ if you have a VISA card linked with your Apple Pay. 
  7. If a Visa card is not added, enter the VISA card details and billing information. 
  8. You will receive the amount in your bank instantly within 30 minutes. 
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Software Update Blocking Instant Transfer on Apple Pay

When you receive money through an Apple Pay cash card, and you try to transfer it to your debit card, it shows ‘software update required.

Your instant transfer gets blocked due to a software update.

It means your device should be upgraded with the latest software then only you can instantly transfer on Apple pay. 

How to Resolve Software Updates Blocking Instant Transfer on Apple Pay?

Always keep backup on iCloud before you install the latest software.

If your iCloud backup is already on, there is no need to perform these steps.

If the backup is not on, follow these steps to take backup manually. 

  1. Go to Settings on your Apple device. 
  2. Click on your name, then on iCloud.
  3. Then, click on ‘backup now’. 

After keeping the backup, go to settings and update your device with the latest iOS version.

Make sure your Wi-Fi is on, and an update will take time, depending on your Wi-Fi speed.

After following the whole procedure, you can easily transfer on Apple Pay. 

Apple Pay Won’t Transfer to Mastercard Debit Card

Apple pay won’t transfer to a Mastercard debit card, but you can transfer from an Apple cash card.

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You can instantly transfer money from an Apple cash card to your Mastercard debit card.

The Apple cash company charges 1.5% for instant transfers in your Mastercard debit card.

The US citizens can use Apple cash to pay at stores through Apple Pay.

  1. Open your Apple cash card in the wallet app.
  2. Then click on the three dots shown on the screen.
  3. Click on ‘transfer to bank’.
  4. Choose the MasterCard debit card in which you want the funds.
  5. Type the amount and click on Instant transfer.

Apple Pay Won’t Transfer to Debit Card

Apple Pay won’t transfer to a debit card because it does not transfer money to a debit card.

You can only transfer funds from your Apple cash card to your bank, that too to visa debit card and MasterCard debit card. 

You can follow the Mastercard debit card steps to transfer money instantly to another person. 

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