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Apple Pay will soon get a person-to-person payments feature within Messages in iOS 11, allowing users to send money to friends and family members directly within a text conversation.
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Apple said that when users get paid, they will receive money in a new "Apple Pay Cash" account, which they can then use instantly to make a purchase using Apple Pay in stores or online, send as a payment to someone else, or transfer it from Apple Pay Cash to their bank account.
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(View all)It will presumably include a % fee to Apple for every transaction?
They said that when you receive money it goes onto a (presumably virtual) "Apple (something, cash?) Card", and then you can transfer it from there to a bank card, if you want - presumably there may be a transaction fee for transferring, unclear who will pay. I'm guessing they may expect that the interest they get off the money people leave in Apple's hands, day-to-day, will cover the transaction fees for sending it to a bank. If a million people each end up with $5 left on their "card", that they keep there expecting to eventually transfer on to someone else, that's $5 million for Apple to collect interest on. And it'll probably end up being much more than $5 million in their float account.If you can use credit cards, via Apple Pay, then there's a credit card interchange fee to be paid by someone. That's how we get air miles etc with credit cards.
This is nice ! Now you can pay garage sales via Apple Pay .
I was thinking this could be huge for food trucks just as long as the fee schedule is reasonable.So I bet square for Apple is now basically worthless for newer phones?
So I bet square for Apple is now basically worthless for newer phones?