How to Make, Cancel, and Schedule Apple Card Payments

Are you using an Apple device? If so, you might be familiar with the fact that you can use Apple Pay to make purchases with your iPhone or iPad. It’s an easy and convenient way to pay for everyday items, but what about bigger purchases? That’s where Apple Card payments come in. This article will give you every bit of information about the Apple Card. We will also cover how to make, cancel, and schedule payments using the Apple Card.

What is an Apple Card?

The Apple Card is a modern credit card product created by Apple Inc. in partnership with Goldman Sachs. It’s designed primarily for use with Apple Pay on Apple devices such as iPhones, iPads, Macs, and Apple Watches. The idea behind this concept is to give users a more secure, private, and simple way of making payments.

Launched in August 2019, the Apple Card sets itself apart with its emphasis on user privacy and financial health. It offers a unique cash-back rewards program, daily cash rewards, no annual, late, international, or over-limit fees, and provides a detailed breakdown of spending to help users better understand their financial habits.

The titanium card does not feature a card number, CVV security code, expiration date, or signature. These details are accessible only through the Wallet app on your iPhone, further enhancing the security of your financial transactions.

How to Check Your Wallet Balance

There are two ways to check your Apple Card balance depending on whether you have it connected to your Wallet app. Knowing how to check your balance for either scenario is essential so you can stay on top of your finances. Follow the steps outlined below to learn how to check your Apple Card balance:

Apple Card is Connected to Your Wallet App

1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. You will see your current balance and your transaction history.

Apple Card isn’t connected to Your Wallet App.

1. Open the Wallet app on your iPhone.
2. Tap the plus sign (+) in the top right corner.
3. Tap Credit or Debit Card.
4. Hold your iPhone near the top of your Apple Card so it can be scanned (if your iPhone doesn’t have a scanner, you’ll need to enter your card information manually).
5. Follow the on-screen instructions to verify your card information and connect it to your Wallet app.
6. Once your card is connected, you can follow steps 1 to 3 above to check your balance.

You can also check your balance on the official Apple Card page. Just sign in with the Apple ID you use with the Wallet app. Card Balance covers all new spending and any previous balances you haven’t yet paid. So, for example, if you have Apple Card Monthly Installments, your balance will include the newly billed monthly installment. Keep in mind that you can only pay off purchases after clearing them. That means your Card Balance will continue to show pending transactions, even if you make a maximum payment.

How to Find Your Monthly Balance

The monthly balance refers to the total amount you owe on your Apple Card for that particular billing period. If you have Apple Card Monthly Installments, your monthly balance will include the newly billed monthly installment. Checking your monthly balance can be done using both your iPhone and a browser. Follow the steps outlined below to learn how to find your monthly balance:

Using the Wallet App on your iPhone

1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. You’ll see your current balance displayed prominently below your card image. This balance includes all new spending for the month, any remaining balance from the previous month, and any Apple Card Monthly Installments that were recently billed.

Additional Points

• Statement Details: You can also tap on the Card Balance and scroll down to view your transaction history. This will give you a breakdown of your spending for the month.
• Minimum Payment Due: While the Card Balance shows your total amount owed, it won’t necessarily display the minimum payment due. However, you can usually find this information on your monthly statement, which can be accessed through the Wallet app.

Using a Web Browser

1. Go to https://www.apple.com/apple-card/.
2. Sign in with your Apple ID and password associated with your Apple Card.
3. Navigate to the Payments section in the sidebar.
4. Your total balance and available credit will be displayed under Card Balance. You can also click on Balance Details for a more detailed breakdown.

The balance you see reflects all your transactions, including pending ones. Even if you make a payment, it might take a while for the balance to update. To avoid interest charges, it’s recommended that you pay your balance in full before the due date.

How to Make Payments

You can make payments towards your Apple Card balance using either the Wallet app on your iPhone or through a web browser. This level of convenience allows you to make payments at any time and from anywhere. Here’s how to do it through both methods:

Using the Wallet App

1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. Tap the Pay button.
4. You’ll see a slider or a section to enter a payment amount.
5. Drag the slider to choose the amount you want to pay. The minimum payment due will be displayed alongside other options.
6. Tap on “Other Amount” and enter the specific amount you want to pay.
7. Once you’ve chosen the amount, tap Pay.
8. You might be prompted to verify your identity using Face ID, Touch ID, or your passcode.
9. Follow any further on-screen instructions to complete the payment.

Using a Web Browser

1. Go to https://card.apple.com/ and sign in with your Apple ID and password associated with your Apple Card.
2. Navigate to the Payments section. You can usually find it in the sidebar menu.
3. Under Card Balance, you’ll see the option to Make a Payment. Click on that.
4. Choose the amount you want to pay. You can select from predefined options like the minimum payment due, the last statement balance, or enter a custom amount.
5. You can also choose the payment date here. By default, it will be set to the upcoming due date, but you can choose an earlier date if you want to make a faster payment.
6. Click on Continue.
7. Review the payment details and confirm the payment.

Payments made through the Wallet app or the website might take a few days to reflect on your balance. You can also set up automatic payments through the Wallet app to avoid missing due dates. For information on paying your balance using Daily Cash, refer to Apple’s support resources on Apple Card.

How to Set Up Scheduled Payments

You can set up scheduled payments for your Apple Card balance using the Wallet app on your iPhone. Here’s how you can accomplish this:

Using the Wallet App

1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. Tap the More button (three dots in a circle) located in the top right corner.
4. Select Scheduled Payments.
5. Tap Set Up.
6. Choose the type of payment you want to schedule. Pay My Bill: This option will automatically pay your entire monthly statement balance on a chosen date. Pay Minimum: This option will schedule the minimum payment due on a chosen date. Pay Different Amount: This option allows you to choose a specific amount to be paid at a chosen frequency (weekly, bi-weekly, or monthly) and select the date for the first payment.
7. Once you’ve chosen the payment type, follow the on-screen prompts:
8. For Pay My Bill or Pay Minimum: Select the date you want the payment to be made.
9. For Pay Different Amount: Enter the specific payment amount. Choose the frequency of the payment (weekly, bi-weekly, or monthly). Select the date for the first payment to be made.
10. Tap Next.
11. Verify your identity using Face ID, Touch ID, or your passcode.
12. Tap Done to confirm the scheduled payment.

You can schedule multiple recurring payments for your Apple Card. To view, change, or cancel a scheduled payment, follow steps 1-3 above, then tap on the payment you want to manage. Scheduled payments may take a few business days to process, so it’s important to factor that in when choosing a payment date.

How to Make a One-time Payment

You can make a one-time payment on your Apple Card using either the Wallet app on your iPhone or through a web browser. Here’s a breakdown of steps on how to do it for both methods:

Using the Wallet App

1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. Tap the Pay button.
4. You’ll see a slider or a section to enter a payment amount.
5. Using the slider: Drag the slider to choose the amount you want to pay. The minimum payment due will be displayed alongside other options. If the slider turns green, you’re paying the total amount due; if it turns red, you’re paying less than the total amount due.
6. Entering a custom amount: Tap on “Other Amount” and enter the specific amount you want to pay.
7. For immediate payment, Tap Pay [amount].
8. For scheduled one-time payments: Tap Schedule. Tap One-Time Payment. Choose the date you want the payment to be made. Tap Pay [amount] on [your chosen date].
9. Follow any further on-screen instructions to complete the payment, which might involve verifying your identity with Face ID, Touch ID, or your passcode.

Using a Web Browser

1. Go to https://card.apple.com/ and sign in with your Apple ID and password associated with your Apple Card.
2. Navigate to the Payments section. You can usually find it in the sidebar menu.
3. Under Card Balance, you’ll see the option to Make a Payment. Click on that.
4. Choose the amount you want to pay. You can select from predefined options or enter a custom amount.
5. Click on the down arrow next to Payment Date. This will allow you to choose a date for the payment. By default, it might be set to the upcoming due date, but you can choose an earlier date for a one-time payment.
6. Click on Continue.
7. Review the payment details and confirm the payment.

Payments made through the Wallet app or the website might take a few days to reflect on your balance. Make sure to schedule your one-time payment at least a few days before the due date to avoid any late fees or interest charges.

How to Schedule Recurring Payments

You can schedule recurring payments for your Apple Card and never have to worry about making a late payment–and you can even choose the day of the week or month when these payments will be made. Here’s how to schedule recurring payments for your Apple Card balance using the Wallet app on your iPhone:

1. Locate and launch the Wallet app on your iPhone.
2. Within the Wallet app, tap on your Apple Card to view its details.
3. Look for the “More” button, typically represented by three dots enclosed in a circle. It’s usually located in the top right corner of your Apple Card screen. Tap on this button.
4. From the menu that appears, choose the option labeled “Scheduled Payments.”
5. Tap the button that says “Set Up” to initiate the process of creating a recurring payment schedule.
6. The app will provide you with three options for your recurring payment: Pay My Bill, Pay Minimum, and Pay Different Amount. Refer to the previous section for a breakdown of what each option entails.
7. Define your payment details (depending on option):
   1. Pay My Bill or Pay Minimum: Simply choose the date you want the payment to be made on a recurring basis.
   2. Pay Different Amount: Here, you’ll need to provide additional details: Enter the Payment Amount: Specify the exact amount you want to be deducted for each recurring payment.
   3. Choose the Payment Frequency: Select how often the payment should occur – weekly, bi-weekly, or monthly.
   4. Set the First Payment Date: Choose the date for the initial payment within this recurring schedule.
8. Once you’ve defined your payment details, tap “Next” to proceed.
9. The app will prompt you to verify your identity using Face ID, Touch ID, or your passcode (depending on your iPhone model and settings).
10. Finally, tap “Done” to confirm and activate your newly created scheduled payment for your Apple Card.

You can set up multiple recurring payments for your Apple Card with different frequencies and amounts. To manage existing scheduled payments (view, change, or cancel), follow steps 1-3 above, then tap on the specific payment you want to modify. Remember that scheduled payments might take a few business days to process. Factor this in when choosing your payment date to avoid late fees.

How to Cancel a Payment

You can cancel a scheduled payment for your Apple Card if you no longer want it to be processed. Here’s how to do it using the Wallet app on your iPhone:

Using the Wallet App on iPhone (For Payments Not Yet Processed)

1. Open the Wallet app and tap on your Apple Card.
2. Under Latest Transactions, find the payment you want to cancel.
3. Tap the payment again.
4. If eligible, you might see a Cancel Payment option. Tap on it.
5. Confirm the cancellation by tapping Cancel Payment again.

Note that This method might only work for one-time payments that haven’t been processed yet.

Alternative Method (For Any Payment)

1. Open the Wallet app and tap on your Apple Card.
2. Tap the More button (three dots in a circle).
3. Select Scheduled Payments.
4. If it’s a scheduled payment you want to cancel, tap on that specific payment.
5. Otherwise, tap the payment you want to cancel under Latest Transactions.
6. Look for a Cancel Payment option (it might not be available for all transactions). If you see it, tap on it.
7. Confirm the cancellation by tapping Cancel Payment again.

Canceling a payment successfully depends on whether it’s been processed or not. There’s no guarantee the option to cancel a payment will be available, especially for processed transactions. To ensure a payment gets canceled on time, contact Apple Card support directly. You can find their contact information through the Wallet app or Apple’s website.

How to Make Additional Payments on Your Apple Card

The Apple Card also lets you make additional payments on top of your scheduled monthly payment. This is especially useful when you want to pay off your balance sooner or reduce the interest charges. Follow these steps to make an additional payment using the Wallet app on your iPhone:

Using the Wallet App on your iPhone

1. Open the Wallet app and tap on your Apple Card.
2. Tap the Pay button.
3. You’ll see a slider or a section to enter a payment amount:
4. Using the slider: Drag the slider to choose the amount you want to pay. The minimum payment due will be displayed for reference.
5. Entering a custom amount: Tap on “Other Amount” and enter the specific amount you want to pay.
6. For immediate payment: Tap Pay [amount].
7. Additional Steps for  For scheduled one-time payment
8. Tap Schedule.
9. Tap One-Time Payment.
10. Choose the date you want the payment to be made.
11. Tap Pay [amount] on [your chosen date].
12. Follow any further on-screen instructions to complete the payment, which might involve verifying your identity with Face ID, Touch ID, or your passcode.

How to Pay with Apple Cash or a Different Bank Account

If you have Apple Cash, you can use it to make payments on your Apple Card. Open the Wallet app and tap ‘Apple Cash’ followed by ‘Transfer to Bank.’ You can also use a different bank account to make a payment on your Apple Card. Here’s how you can do it:

During Checkout (Applicable to Stores and Apps)

• When presented with the Apple Pay option at checkout (either in a physical store or within an app), hold your iPhone near the contactless reader or verification prompt.
• If you have multiple cards enabled for Apple Pay, your default card will be displayed.

Choosing Your Payment Source

To pay with Apple Cash

• If Face ID or Touch ID is enabled: Glance at your iPhone or place your finger on the Touch ID sensor (depending on your model). This will authenticate your payment with Apple Cash, your default selection.
• If Face ID or Touch ID is disabled: You might be prompted to enter your passcode to confirm payment with Apple Cash.

To pay with a different bank account linked to Apple Pay

• Tap on the default card image displayed on your iPhone screen. This will reveal all your cards linked to Apple Pay.
• Choose the desired bank account you want to use.
• Authenticate the payment: Verify your identity using Face ID, Touch ID, or your passcode, depending on your iPhone model and security settings.

Payment Confirmation

• Once you’ve chosen your payment method (Apple Cash or a different bank account) and verified your identity, your iPhone will display a confirmation message on the screen.
• The contactless reader or app will also indicate a successful payment.

Keep in mind that not all stores and apps may support Apple Pay. Look for the Apple Pay logo at checkout to confirm. You can manage the bank accounts linked to your Apple Pay through the Wallet app on your iPhone.

Frequently Asked Questions (FAQs)

Q1: Can I make a payment with a credit card on my Apple Card?

No, you cannot use another credit card to make a payment on your Apple Card. Payments must be made from a bank account, your Apple Cash balance, or through a check mailed to the issuer.

Q2: Is there a fee for using Apple Cash to make Apple Card payments?

No, there is no fee associated with using Apple Cash to pay your Apple Card balance. It’s a convenient and free way to manage your payments.

Q3: How long does it take for an Apple Card payment to reflect in my account?

Payments made from a bank account or Apple Cash are typically reflected immediately in your Apple Card balance. However, it can take up to three business days for the payment to fully process and be visible in your transaction history.

Q4: Can I set up automatic payments from a savings account?

Yes, you can use both checking and savings accounts to set up automatic payments for your Apple Card. Be sure to verify that your savings account allows automatic debits to avoid any potential issues with your bank.

Q5: What happens if I miss an Apple Card payment?

Missing a payment can result in interest charges and could potentially impact your credit score. It’s important to contact Apple Card support immediately if you’re unable to make a payment by the due date to discuss possible solutions.

Q6: How do I change the bank account used for Apple Card payments?

To change the bank account used for your Apple Card payments:

1. Open the Wallet app and select your Apple Card.
2. Tap the More button (three dots).
3. Select the Bank Accounts option.
4. You can then add a new bank account or update an existing one following the prompts.

Always ensure your bank account information is up-to-date to prevent any issues with your scheduled payments.

Accept Apple Card Payments with ReliaBills

For businesses looking to accept payments independently, ReliaBills offers a simple solution for accepting Apple Card payments and more. With an easy setup process and no additional fees or equipment required, businesses can start accepting payments from customers using their preferred method, including Apple Card.

ReliaBills is a cloud-based invoicing and billing software designed to automate payment processes, reduce administrative overhead, and streamline payment processing duties. ReliaBills’ payment processing features include automated recurring billing, payment tracking, payment reminders, online payment processing, and much more!

It also provides valuable tools that help manage customer information, monitor payment records, and create proper billing and collection reports. As a result, invoice and billing management are simple and convenient. You also get access to active customer support, which is ready to assist you whenever you need help.

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Conclusion

There’s nothing like convenience, and for Apple users, the integration of Apple Card payments through Apple Pay and the Wallet app epitomizes ease and security. With the seamless ability to choose between Apple Cash and various bank accounts and the added assurance of instant payment confirmation, managing finances has never been more straightforward.

For both consumers and businesses, the adoption of this technology streamlines transactions and promotes a more efficient and secure payment ecosystem. Whether you’re making routine purchases or managing your Apple Card balance, the system is designed to support your financial well-being in a user-friendly manner.

As we continue to shift towards digital-first financial transactions, Apple’s ecosystem sets a standard for what is possible, providing users with the tools they need to manage their finances effectively and securely.

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