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If you're paying someone, you must hit the send button and use Touch ID to approve the transaction.The Touch ID sensor offers secure authentication for any type of Apple Pay Cash transaction, and yes, all transactions will be encrypted.Apple Pay Cash is technically part of Apple Pay, Apple's mobile payment system, but it lives in Apple's i Message app. Pocket-lint has explained everything you need to know below.And all the money you receive via Apple Pay Cash will live on a virtual card called Apple Pay Cash card, which exists within Wallet, Apple's other app for storing credit cards, debit cards, loyalty cards, boarding passes, tickets, and more. Sometime after i OS 11 rolls out, Apple will allow person-to-person payments, just like apps Venmo, Square Cash, and believe it or not, Snapchat do.You can then set the payment amount, tap either request or pay, and approve the transaction.If you're requesting money from someone, a link to make the payment will show up in your i Message chat window with that person.Siri will be able to detect any conversation in i Message about cash or payments.

From there, you can use the funds in the virtual card to pay others via i Message and more.Payments will be sent from your debit card or credit card stored in Apple's Wallet app.But any money received will go into your "Apple Pay Cash" card, a virtual card that lives in Wallet.Money-transfer services backed by a debit card will be free, while those backed by a credit card will be charged a 3-per cent fee - the same as competitors.You can transfer directly to a bank account without having to pay a service fee, though the transfer may not be immediate.

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