Michal Marek According to news magazine The Wall Street Journal Apple is in talks with partners to introduce a new payment service that will enable people-to-people payments. It is supposed to be a kind of supplement to Apple Pay, which will not be used for payment at a merchant, but for transferring smaller amounts between friends or family. According to the WSJ, Apple is already negotiating with American banks and the service should come next year.
Apple is negotiating the news with major banking houses including Wells Fargo, Chase, Capital One and JP Morgan. According to current plans, Apple is said to not charge banks any fees for transferring payments between people. However, it is different with Apple Pay. There, Apple takes a small share of each transaction made.
The Californian company could allegedly build the new product on the already existing "clearXchange" system, which uses a phone number or email address to transfer money to a bank account. But everything should be integrated directly into iOS and traditionally wrapped in an elegant and simple jacket.
It's not yet certain how exactly Apple will integrate the feature, but according to the magazine Quartz by payments could be done via iMessage. Something like this is certainly not new on the market, and in America people can already pay each other via Facebook Messenger or Gmail, for example.
Apple patented the payment mechanism between people through Apple Pay less than six months ago, which proves that such a service is really on the table. In addition, this is a natural evolution of Apple Pay, which would bring the vision of a world where not having cash is not a problem a little closer. After all, Tim Cook told students at Trinity College in Dublin that their children won't even know cash anymore.
It would be enough if you could pay at least in shops. :-(
It will be this year or at the beginning of the year. I read an off message from visa that they will soon implement it in cr