Apple Pay may have reached critical mass now: our experiences (in and around London, it's true) suggest that more shops now accept it than don't, while even Barclays joined the scheme eventually.

But at WWDC 2017 this summer, Apple announced a significant expansion of the service's scope: you can now use it to make payments between people, rather than to businesses. No longer will your feckless mate be able to claim that he left his wallet at home: he can pay you that money he owes using his iPhone or even his Apple Watch.

In this article we talk you the process of making a peer-to-peer payment using Apple Pay Cash over iMessage, on an iPhone or Apple Watch.

Pay via iMessage

Peer-to-peer Apple Pay works within iMessage, which is increasingly looking like an app platform in its own right rather than simply one single-use app. Obviously you and the payee both need to be using Apple devices, and to have active iMessage accounts, for this to work.

(You also need iOS 11.2, and to be 18 or over and American - for the time being at least.)


On the iPhone, you open the Messages app, open (or create) an iMessage thread with the person you want to pay - by sending a message saying "Here comes the money I owe you", for example - then tap the little Apple Store icon (the capital A) followed by the Apple Pay icon. Then you enter the amount, verify with Touch ID or Face ID, and the money is on its way.

Note that the first time you send money over Apple Pay Cash, you'll need to agree to the terms and conditions before the verification stage. Note also that you don't always have to verify your identity; we don't know the exact conditions that will allow you to skip this step, but assume that if you send money from the same phone to the same payee multiple times (possibly within a specified timeframe) you'll only have to do this once.

Apple Watch

Open the Messages app on your watch and go into a conversation you've already got with someone, or start a new one. Scroll down to below the thread and you'll see the usual options - voice dictate, emoji, sketch and Scribble - plus a new one, Apple Pay. Tap this.

Turn the Digital Crown dial to choose the amount you'd like to send. The currency will be selected automatically.

(This adjusts the dollar amount at the moment - and this is how you'll adjust pound amounts when it launches in the UK. To adjust the amount in cents/pence, you should tap the amount, tap after the decimal point and then turn the dial.)

Now you just need to tap Pay, check the details and double-tap the side button to confirm.


You can also use Siri to send money with Apple Pay Cash. A phrase as natural as "Send [amount] dollars to [name]" will do the trick. If you want to specify what the money is for, simply add "for [reason]" on to the end of the phrase. "Apple Pay [amount] dollars to [name] for [reason]" is another possible construction.


Finally, it's possible to use Apple Pay Cash from the Contacts rather than from Messages, although the principle is the same. When you're in a contacts card, tap the dollar icon (we imagine this will turn into a pound icon when the service launches in the UK, but don't quote us on that) and then follow the process as above.

Where does the money go?

Not into your bank account - at least not right away.

The peer-to-peer payment is transferred to an Apple Pay Cash Card, which lives in the Wallet app on your iPhone. You don't need to have signed up with Apple Pay for this to work - the card is created without any of your bank details needing to be involved. It's like a virtual bank account, and the advantage of this is it means the transfer is instant.

However, while you can access this money right away, you can do so only in Apple-approved ways; when making payments via Apple Pay, in other words. If you don't want to do that, then you'll want to transfer the money to your actual real-life bank account.

When we say that the Cash Card lives in Wallet on your iPhone, we should clarify that this is only where you can find the details: the payment record itself is saved off-device, so it won't be lost if your iPhone is stolen.

And where does the money come from?

It will be taken from any Apple Pay Cash Cards you've got first, and after that from the bank account you've set up with Apple Pay.

When will Apple Pay Cash launch in the UK?

Apple Pay Cash is out now, as part of the latest iOS Public Beta. You need to install iOS 11.2. Here's how to join the beta programme.

The bad news for British readers is that the service will be US-only at first. Stay tuned for word on when the UK version will appear; we hope it will follow on reasonably quickly, given that this country was the second to get Apple Pay back in the day.