Apple Pay adds 28 new domestic banks to partnerships

10 Juin, 2017, 21:36 | Author: Claudine Rigal

Apple Pay's peer-to-peer function will arrive with the fall iOS 11 update, and will be compatible with iPhone, iPad and the Apple Watch when it arrives.

One can also use TouchID to authenticate payment transfers and revenue received through the system utilizing iMessage, which is going to go through the Apple Pay cash card.

Apple will integrate the new feature into iMessage as an app, which will basically allow you to request payment with your contact with a single tap.

According to the Verge, money will be transferred to an "Apple Pay Cash Card", noting that Apple has not verified whether money can then be transferred to a user's own bank account.

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Like with Venmo, you can transfer the money to your bank, or just store it in your Apple Pay Cash account for future Apple Pay purchases. Apple officially launched its own Twitter support account, @AppleSupport, early a year ago, but many businesses had already hopped on the bandwagon. Similar to other services, a credit card will add an extra 3% fee. A convenient feature within this new person-to-person payment is the usability of the product: Long story short, if someone texts you "You owe me $5", your phone will automatically pull up a $5 payment ready for you to send. I suspect this is for privacy reasons - Apple has stressed privacy nearly more than any other tech company - but I still think there needs to be some sort of option for this.

"While Apple Pay has a really good experience, it does require a lot of things to be in line for it to work", he said.

This means that users will now be able to pay each other back for money lent to each other or for meals, kind of like what we've seen other services and platforms offer in the past. It's a frictionless method of payments between smartphones and registers, and Apple wants it to become widespread.

However, TheStreet's Eric Jhonsa writes that the fact that Apple Pay's peer-to-peer payment is restricted to iOS users limits its potentially wide-ranging impact in the digital payment market. Millennials use mobile peer-to-peer payments services and apps to split the cost of everything from a night out to more substantial costs, such as rent.

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