Can You Apple Pay Someone with a Credit Card?

Based on the provided content, you can use Apple Pay to pay someone or a business using an Apple credit card or other credit cards linked to the digital wallet. The documentation specifically highlights that Apple Pay supports the physical Apple credit card as well as other digital wallets for contactless payments at point-of-sale (POS) terminals.

For businesses and individuals to facilitate these transactions, the following must be in place:

• The merchant must have NFC-enabled hardware (such as Clover Duo or Clover Flex) to accept the contactless tap.
• The customer must add their Apple credit card or other credit card details into their Apple Wallet app on a compatible iOS device.
• The payment is performed by holding the device near the NFC reader and authorizing the transaction.

Using a credit card through Apple Pay provides benefits such as 2% to 3% cash back for the user and enhanced security through unique transaction numbers, replacing the need for physical card sharing.