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Apple Extends Internal iOS 11.1 Apple Pay Cash Testing to Retail Employees

Starting in early October, Apple corporate employees in the United States began testing Apple Pay Cash internally in the iOS 11.1 beta, suggesting the person-to-person Apple Pay feature could be introduced in iOS 11.1 despite its current absence from the iOS 11.1 developer beta.

Apple has now expanded its internal Apple Pay Cash feature to its retail employees, making it available to a much wider range of people for testing purposes.


Retail employees gained access to the feature today and have been asked to install both the iOS 11.1 beta and an additional internal-only beta profile to unlock the Apple Pay Cash feature. According to the retail employee who spoke to MacRumors, Apple is also requiring iCloud accounts to be whitelisted to use Apple Pay Cash.

The Apple Pay Cash setup process can be seen in the screenshot below -- it asks customers to verify their identity with name, address, and social security number.


Apple Pay Cash works through the Messages app and is designed to allow for quick person-to-person money transfers, much like Square Cash or Venmo. It's available as a dedicated iMessage app in the built-in Messages app, with cash transferred through iMessage transactions. Though most Apple Pay Cash coverage has focused on the iPhone, money can also be sent using an Apple Watch.


When sending cash, it can be sent from a linked debit or credit card, while received cash is stored in an Apple Pay Cash card in Wallet that can be used for purchases or sent to a bank account. Sending cash through a credit card incurs a 3% fee, while sending cash from a debit card is free.

The Apple Pay Cash card available in Wallet is being made available through a partnership with Green Dot, a company that offers prepaid Discover cards.

For Apple Pay Cash to work, both parties need to have the feature enabled and activated. Money can only be sent in a one-on-one message, with Apple Pay Cash not available in group messages.

On the Apple Watch, the interface requires you to scroll past the Scribble icon in the Messages app to access the Apple Pay button. Tapping on it allows users to enter a dollar amount using the Digital Crown or on-screen buttons. Payment is then confirmed via a double click on the Digital Crown, but scrolling down allows for users to choose a different payment source than the default.

Apple first announced person-to-person Apple Pay as an iOS 11 feature at its Worldwide Developers Conference in June, but it was not implemented in any of the iOS 11 betas and towards the end of the beta testing period, Apple confirmed it would be coming in a future iOS 11 update.

Apple Pay Cash is not present in the current iOS 11.1 beta available to developers and public beta testers, but given the expanded internal beta test, it appears Apple is nearly finished with the feature and is gearing up to release it as part of the iOS 11.1 update.

Related Roundups: Apple Pay, iOS 11


Top Rated Comments

(View all)

8 months ago
I really feel that this particular feature will be a tipping point for many people to finally get into cashless day to day life and understand it’s not that scary.
Rating: 23 Votes
8 months ago

The Apple Pay Cash setup process can be seen in the screenshot below -- it asks customers to verify their identity with name, address, and social security number.


Really, Apple? Why do we need to verify our identity with a social security number? A social security number is not meant for identification purposes. Let's stop doing this, okay? Thanks
Rating: 16 Votes
8 months ago

You must live a very sheltered-life. I can't find a retail shop or restaurant that I go to which does NOT accept Apple Pay.


They must live a sheltered life because they don't only go to the same places you do? That comment sounds like the situation is reversed.

I can definitely name more places that DON'T take it than do.
Rating: 15 Votes
8 months ago

I really feel that this particular feature will be a tipping point for many people to finally get into cashless day to day life and understand it’s not that scary.


Another way to move away from carrying cash and credit cards. It already started for me a when Apple Pay was introduced. I hardly ever take my wallet out of my pocket nowadays, albeit, the establishments I frequent offer Apple Pay, but you you made a good point that cashless day to day life is not as bad as it seems. I actually find it very convenient and efficient to use. I no longer have to deal with kids giving me the wrong change because they can't count simple math lol.

This is a personal preference so it may be different with other people and their personal experiences. I wish they would do the same with digital driver's license so I DEFINITELY don't have to carry a bulky wallet anymore.
Rating: 13 Votes
8 months ago
i'm certain that myself, along with a few co-workers, will use this capability pretty much every single day..
also, within my family, i think we'll use it often.
[doublepost=1507937809][/doublepost]

Do people really need to pass cash (or equivalent) back and forth that often? (I never do.)

every day at lunch..
either talk the server into giving separate checks then everybody pays individually..
or
everybody adds their share of the cash into the pot.. (never happens)
or
everybody with cash pays the person without cash who then pays the bill on a card
or
go to the bar to get change so everybody can cash out properly ("oh.. i only have twenties" -- times 5).. give cash to the one person with no cash.. (this last one is the way it usually plays out)
or
IOUs

etcetc.

with peer to peer apple pay.. this process becomes so much easier..
everybody just texts their portion to the one person who then pays the bill..

i'm not exaggerating-- the above scenario is a daily occurrence for me :)
Rating: 10 Votes
8 months ago

Really, Apple? Why do we need to verify our identity with a social security number? A social security number is not meant for identification purposes. Let's stop doing this, okay? Thanks


Talk to the banks, not Apple. They are the ones who use your SS# to verify and link direct access to a checking account, which is what this does.
Rating: 9 Votes
8 months ago
I dont think i ever needed to send a friend money to begin with ... ? I make my own money

Now gimme iMessages in the Cloud
Rating: 8 Votes
8 months ago

I really feel that this particular feature will be a tipping point for many people to finally get into cashless day to day life and understand it’s not that scary.

It's not that scary...only when everyone is on board and we have one standard, instead of Samsung, Google, and Apple wanting their greedy fingers in the pie and want to own it all.

"Can I pay you by ApplePay?"

"No. Do you accept Google Wallet?"

"No. How about PayPal?"

"No, sorry. Ok, here's $20 in cash then."
Rating: 7 Votes
8 months ago

I dont think i ever needed to send a friend money to begin with ... ? I make my own money

Now gimme iMessages in the Cloud

I often go to events with friends, and if the ticket price is higher than, say, $30, and it’s not a gift, we’ll pay each other back. Often by in-kind purchases next time, but sometimes we need to give each other actual money. Since almost none of us carry cash, this would be a nice option.
Rating: 5 Votes
8 months ago

However their NOT a bank and thus their third party. If Apple’s Apple Pay directly when setting up your bank or credit card as it was since the beginning doesn’t require your SSN then it really shouldn’t (ideally) now with new features.

Either way I just fee it adds to a secretory risk not worth implementing. But that’s just opinion.


Let's see...

Apple Pay Cash can accumulate cash on your behalf, from others. And similarly, Apple Pay Cash can, on your instructions, disburse specified amounts of your accumulated cash to a party you designate.

Smells like a bank to me.

And like a bank, if any transaction is an amount of $10,000 or greater, that transaction must be reported via a Currency Transaction Report along with your SSN to the government. This is to curtail money laundering activities and has been in effect since the 1980s. I suspect there are other reporting laws, likely secret, to curtail other illegal activities.

Again, Apple Pay Cash would not disclose your SSN to a cash recipient you designate. Why would Apple do that? And why would a party you send cash to need your SSN?
Rating: 5 Votes

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