Apple Employees Testing Apple Pay Cash Internally in iOS 11.1

Discussion in ' News Discussion' started by MacRumors, Oct 3, 2017.

  1. MacRumors macrumors bot


    Apr 12, 2001

    Apple corporate employees in the United States are testing Apple's upcoming person-to-person Apple Pay feature internally in the iOS 11.1 update, suggesting the Apple Pay improvements could indeed be introduced in iOS 11.1. Employees first began testing the Apple Pay Cash last week, but many were only able to access the feature starting today.

    MacRumors forum member Chuck SaaS was in touch with an Apple employee who is testing the feature using iOS 11.1 and a device certificate that was distributed internally by Apple. Employee testers are required to download iOS 11.1, install an additional internal-only beta profile, and have their Apple IDs white listed to access Apple Pay Cash.

    He shared two screenshots, one of the setup process and one of an attempt the employee made at sending money to him on the iOS 11.1 beta. The transfer didn't work as both devices need support for the new Apple Pay feature. Apple is encouraging employees to test the feature among themselves.


    Apple Pay Cash works through the Messages app and allows for quick person-to-person money transfers, much like Square Cash and other competing services. It's available as a built-in Messages app, with cash transferred through iMessages.


    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.

    As has been previously revealed, the Apple Pay Cash card available in Wallet is being made available through a partnership with Green Dot, a company that offers prepaid payment cards.

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

    There is no sign of Apple Pay Cash in the first iOS 11.1 beta that was seeded to developers last week, but if employees are testing it internally in iOS 11.1, it could be added in a future beta or simply released when iOS 11.1 is made available to the public.

    Given that we've only had one beta of iOS 11.1 so far, it's not clear when the update will see a public launch.

    Article Link: Apple Employees Testing Apple Pay Cash Internally in iOS 11.1
  2. SoN1NjA macrumors 68000


    Feb 3, 2016
    the pool
    I still don't see the benefits of this over Square Cash

    Anyone can send me money via Square Cash, and with my Cash Card I can spend at places where there's no Apple Pay (still lot's of big brands!)
  3. gwhizkids macrumors 68040


    Jun 21, 2013
    Actually, its made a semi-appearance in the Feedback app.
  4. agsystems macrumors 6502a

    Aug 1, 2013
    Maybe they are doing this - but Apple secrecy could hurt adoption of this if this is not tested at a global scale - can't believe only a few employees are testing this
  5. questionmark32 macrumors regular

    Sep 23, 2013
    I'm not familiar what the fees are for using a credit card for other apps like Venmo. What are those fees, if any? I assumed 3% was normal for credit cards, since debit cards are free
  6. mcfrazieriv macrumors 6502a


    Jan 30, 2012
    Irvine, CA
    This is hardly a rumor. I guess it fits with news. But there's more and more of these posts that blatantly look like Apple buying advertising space in the form of arranged posts. It doesn't leak any new concepts... it just states "it's coming soon" by a source within the company (legally?) giving screenshots.
  7. jmh600cbr macrumors 6502a


    Feb 14, 2012
    1. why not just talk about this at the october event? everyone has forgotten by now
    2. why isnt this coming to Canada right away?
  8. pradeepbabloo macrumors member


    Mar 1, 2016
    You did read it wrong!
  9. sdwaltz macrumors 6502a

    Apr 29, 2015
    3% fee for a credit card is pretty standard.

    But you could also just use your debit card for free and, you know, not have to pay a bill at the end of the month.
  10. Kaibelf macrumors 68020


    Apr 29, 2009
    Silicon Valley, CA
    1. I didn't forget. You didn't forget. The people I work with also remember. *shrug*
    2. Talk to your regulators up in Canada, and your bank.
  11. bkushner macrumors regular

    Jan 29, 2011
    Dude, if the website just posted “leaked new concepts” it would be a ghost town. Cheer up.
  12. blacktape242 macrumors 65816


    Dec 17, 2010
    Sacramento, CA
    GET IT DONE! im happy this feature is coming although it should have came out when 11 came out!
  13. GrumpyMom macrumors 604


    Sep 11, 2014
    People send you money? Technology is not the problem, where can I find all these people who would be willing to send me money? I’m usually the one who has to give everyone else money. Bank of Mom —that’s me.:rolleyes: Karma from the 80’s when I’d drag my mom to the arcade and beg quarters off of her. She was pretty cool about that. :)
  14. IJ Reilly macrumors P6

    IJ Reilly

    Jul 16, 2002
    Oh no, not more allegations! When will we ever get an actual conviction?
  15. Patriks7 macrumors 65816


    Oct 26, 2008
    And here I am still waiting for Apple Pay to be introduced in my country :(
  16. mthomas184 macrumors 6502


    Aug 11, 2016
    Ha! Good lord dude. Venmo and Square Cash are also 3% if you use a CREDIT CARD not debit card. o_O
    --- Post Merged, Oct 3, 2017 ---
    Correct. Venmo and Square Cash is also 3% for credit cards. That’s pretty much the standard across the board.
  17. ajfahey macrumors regular


    Jun 28, 2001
    Moorpark, CA
    Of course correct. Also, the more participants we have in this market to more there will be competitive pressure to lower even the credit card fees in order to increase market share and profit.
  18. Cougarcat macrumors 604

    Sep 19, 2003
    Huh? They aren't talking about it now. Also, there may very well not be an Oct/Nov event. They've already semi-introduced the iMac Pro and Siri Speaker and they could get away with just releasing them.

    Unfortunately, this is never going to be cross platform.
  19. WannaGoMac macrumors 68020


    Feb 11, 2007
    Cant wait to not install iOS 11.1 too!
  20. Cronowerx Suspended

    Feb 23, 2015
    Looks like this gimmick will ship with iPhone X.... let’s just hope it comes to Canada in the near future!
  21. Shadow%20Mac macrumors 6502

    Dec 28, 2007
    Pretty standard when paying via a credit card. SquareCash and Venmo also charge you a fee if you pay using a credit card, since you're filling up your / sending money that you've borrowed.
  22. yanksfan114 macrumors 6502

    Jul 30, 2011
    That’s the regular fee for credit transfers. All apps have this fee. 0% for debit.
  23. FelixDerKater Contributor


    Apr 12, 2002
    Nirgendwo in Amerika

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