Apple Pay users can now make international transfers easily with NALA. Below you’ll find a complete guide to how it works, what cards you can use, supported countries, fees, and what to do if something goes wrong.
What is Apple Pay?
Apple Pay is a mobile payment service that allows users to make payments using an iOS (iPhone, Apple Watch, iPad, or Mac) device. You can now make Apple pay transfers with NALA if you have it enabled on your device. 🤩
How to Send Money with Apple Pay on NALA
Using Apple Pay on NALA is simple and takes less than a minute:
Open the NALA app and tap the Send icon.
Choose your recipient by bank account or mobile number.
Enter the amount you want to send.
On the payment screen, select Apple Pay as your payment method.
Choose your card in Apple Pay and confirm using Face ID, Touch ID, or your passcode.
That’s it — your transfer will be processed instantly.
💡 Tip: Make sure your Apple Pay wallet is set up with a supported debit card before starting your transfer.
Accepted Cards & Payment Methods
Currently, Apple Pay payments on NALA support debit cards only.
Credit cards are not supported at this time due to higher card network fees.
If you’re in the US, UK or EU, you can use your local debit card via Apple Pay as long as your card issuer (Mastercard or Visa Card) supports Apple Pay transactions.
We’re working to expand compatibility for additional cards soon.
Fees & Exchange Rate Mark-Up
NALA is committed to keeping transfers as affordable and transparent as possible — and that includes when you pay with Apple Pay.
When you send money using Apple Pay:
No hidden fees: You’ll always see any applicable transfer fee and the exact amount your recipient will receive before you confirm your transfer.
Transfer fees may apply depending on your destination country, payout method (bank or mobile money), and the amount you’re sending.
Some corridors, such as transfers to Pakistan or other regions with higher processing costs, may include a small additional fee to cover bank charges.
Small transfers (usually below £20 / $20 / €20) may also include a minimal service fee, since fixed network costs are proportionally higher for lower amounts.
Exchange rate mark-up: A small margin is added to the live mid-market rate to cover currency conversion and processing costs. This is shown transparently in-app before you hit “Send.”
✅ Example:
If you send £100 from the UK to Kenya using Apple Pay, you’ll see:
The exchange rate being applied,
Any transfer fee (if applicable), and
The final amount your recipient will receive.
There are no surprises — what you see on the confirmation screen is exactly what arrives.
Supported Countries & Corridors
You can currently use Apple Pay on NALA to send money from:
🇺🇸 United States
🇬🇧 United Kingdom
🇪🇺 European Union countries (where Apple Pay is available)
You can send money to any of the supported countries in Africa and Asia.
Why Use Apple Pay on NALA?
Fast & Convenient: No need to enter card details — just tap and send.
Secure: Apple Pay uses Face ID or Touch ID to verify every transaction.
Transparent Fees: No hidden charges; see all costs upfront.
Built for the Diaspora: Send money home easily and pay from your iPhone.
Troubleshooting & FAQs
1. Can I use a credit card with Apple Pay on NALA?
Not yet — NALA currently supports debit cards only.
2. Why is my Apple Pay transaction pending?
Pending payments can occur if your bank needs additional verification or if your Apple Pay wallet isn’t properly linked to a valid card. Try again after confirming your card details.
3. Which countries can I send from using Apple Pay?
You can send from the US, UK, and EU regions where Apple Pay is supported.
4. Are there extra fees for using Apple Pay?
No, there are no hidden fees — only a small exchange rate mark-up applies.