Apple Pay Cash debuts in beta form

Apple Pay Cash debuts in beta form

However, Apple was forced to ship iOS 11 without the P2P service, admitting at the time that Pay Cash "wasn't ready" to ship in September as planned. The new improvements also include iMessage's detection of when someone tells the user money is owed during a conversation. It's a direct person-to-person affair.

It's not clear why more users aren't updating to iOS 11.

Or, you can prompt a transaction by sending or receiving a message asking for money.

Apple Pay Cash works similarly to Venmo and other peer-to-peer payment apps, but is backed by iOS.

Apple Pay Cash uses the debit or credit card linked to your Apple Pay account.

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Apple said in its support page, "There's no app to download, and you can use the cards you already have in Wallet".

Apple is partnering with prepaid payment card company Green Dot on the virtual Apple Pay Cash card, viewed by some as a stepping stone to the creation of a full bank-like payment service.

There are no fees to dispatch money with your debit or Apple Pay Cash card, though you will have to pay a typical 3% fee to send money through a credit card.

And if you're unsure if your contacts can receive or send money and participate in iMessage pay back, you will be able to know who has installed the new feature because a small dollar sign symbol will appear next to their contact information in your iPhone contacts. Based on personal experience, though, you'd be wise to make sure Siri understands that you're saying $15 instead of $50 before you let the cash go.

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