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This just started working for me without a reboot or anything here in San Francisco. I had a full-screen message from Apple saying that Apple Pay Cash was now available asking if I wanted to set it up. Went through the procedure and it's fully functional now. Must be rolling out slowly through their servers.
 
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It’s the middle-men. Sending money via Apple Pay incurs costs on the person sending the money just like a pre-paid card. That’s throwing away money for convenience. And if I owe someone money, why would I give them a pre-paid card? I would tell them I’d pay them tomorrow and get the cash for them tomorrow. If someone I would borrow from wouldn’t trust me at my word I wouldn’t borrow from them.

Huh? The service is free under debit usage. There's no fee to transfer money to a friend unless you pull against a credit card, so...what? Where is this incurred cost you keep claiming? If anything, it incurs cost to go to an ATM and get cash, because that time has value.
 
This just started working for me without a reboot or anything here in San Francisco. I had a full-screen message from Apple saying that Apple Pay Cash was now available asking if I wanted to set it up. Went through the procedure and it's fully functional now. Must be rolling out slowly through their servers.

I'm in the East Bay, and still not working.
 
You obviously don't understand the difference between a debit card and a credit card. You also obviously don't know how this works.
I do know what the difference is. And Apple Pay Cash does charge money if you use a credit card. And it won’t be long before banks decide to charge money for it. In any case, I still don’t see a lot of value in it. Not saying others don’t but I don’t see value in it.
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There is no cost to send money via Apple Pay Cash unless it's with a credit card. Just like all over peer to peer payment services.
Yes, for now.... But other than a minor convenience I don’t see the immense added value here to the person.
 
There aren't any fees if sent from a debit card/bank account. The only time fees are incurred is if you are using a credit card.
I’ll say the same thing again, yes that’s true but I wouldn’t expect it to stay that way. Just like when all ATMs were free before they suddenly weren’t. And it’s a minor convenience in any case. I don’t see how it justifies the level of angst in this thread.
 



Apple released iOS 11.2 early in order to address a serious date bug that was affecting some users on December 2, and while the update introduced Apple Pay Cash, the feature was not yet activated by Apple.

Because it wasn't activated, Apple Pay Cash was not usable, despite being listed as a feature in the update's release notes. Apple today made Apple Pay Cash officially available in the United States, so it can be used by all iPhone and iPad owners who have iOS 11.2 installed. Apple Pay Cash is just now rolling out, so it may take a bit of time before it's fully functional and available for everyone.


Apple Pay Cash is Apple's new peer-to-peer payments service, designed to allow for quick person-to-person money transfers, much like Square Cash or Venmo. The service is currently limited to the United States.

Using Apple Pay Cash, you can send and receive money through iMessage conversations using the Messages app. Cash is sent from a linked debit or credit card, while received cash is stored in an Apple Pay Cash card in the Wallet app and can be used for purchases or transferred to a bank account. For more on Apple Pay Cash, make sure to check out our how to.

Apple Pay Cash will also be available on the Apple Watch once watchOS 4.2 has been installed, and we're expecting to see watchOS 4.2 later this week.

Article Link: Apple Pay Cash Now Available for iOS 11.2 Users
I see the feature now available in Settings/Wallet & Apple Pay (Apple Pay Cash toggle), but tapping to enable gets a delay, then "Try again later" message (2:30pm EST). Server overload?
 
I have the toggle... keep getting a combo of "Apple Pay Cash Unavailable" or "Could not connect to apple pay" dialogs.
 
Yes, actually, it has. Global bandwidth and computing power - a substantial amount of which Apple owns - has increased over time if you haven't noticed.

Cite your source that says Apple "owns a substantial amount of global bandwidth." I'm fascinated to find out from where you pull that assertion.

The ones in the past? Yes, absolutely. More recently, the failures have been in Apple opening the store for some folks after the launch inventory was exhausted - which shows ONCE AGAIN that Apple does understand - somehow - how to do slow roll-outs in every context other than this one.

Except any server connection issues are almost CERTAINLY on Green Dot and not Apple since they are responsible for provisioning the cards as they are, in fact, a bank. And since these transactions are likely not running on Amazon that's just the way it is, and the sun will still rise tomorrow.

As far as the comment on Apple "opening the store" this can only lead me to believe you're upset you didn't get through on iPhone X launch day and someone else got what you think was "your" device.
 
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I was able to set up Apple Pay and go through the entire process without any issues.

Edit: Located in Southern California.
 
Huh? The service is free under debit usage. There's no fee to transfer money to a friend unless you pull against a credit card, so...what? Where is this incurred cost you keep claiming? If anything, it incurs cost to go to an ATM and get cash, because that time has value.
Let’s see, do I have to repeat myself for the fourth time? Nah, I’ve already replied to three others who said the same thing. Let’s just say that the people I borrow from, which is exceedingly rare, aren’t as impatient to be repaid as people on this thread seem to be.
 
This just started working for me without a reboot or anything here in San Francisco. I had a full-screen message from Apple saying that Apple Pay Cash was now available asking if I wanted to set it up. Went through the procedure and it's fully functional now. Must be rolling out slowly through their servers.

Same here on AT&T
 
FYI for me I cannot fund Apple Pay Cash using a credit card at all (not even with the rumored 3% fee, not that I’d want to), all credit cards I have added to Apple Pay are grayed out and say “not accepted by app” - only debit cards are available to select. I assume they will enable this option later, though I suspect it may be abused by credit card churners looking to meet minimum spend requirements.
 
I do know what the difference is. And Apple Pay Cash does charge money if you use a credit card. And it won’t be long before banks decide to charge money for it. In any case, I still don’t see a lot of value in it. Not saying others don’t but I don’t see value in it.
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Yes, for now.... But other than a minor convenience I don’t see the immense added value here to the person.
Well, Venmo has been around since 2009 I believe, and that's still fee free.
 
I’ll say the same thing again, yes that’s true but I wouldn’t expect it to stay that way. Just like when all ATMs were free before they suddenly weren’t. And it’s a minor convenience in any case. I don’t see how it justifies the level of angst in this thread.

Paypal/Venmo havent ever charged fees for this, so I dont see why Apple would go the lengths to add this service to then charge fees that the competitors dont. I think its pretty safe to say it will stay free.
 
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Let’s see, do I have to repeat myself for the fourth time? Nah, I’ve already replied to three others who said the same thing. Let’s just say that the people I borrow from, which is exceedingly rare, aren’t as impatient to be repaid as people on this thread seem to be.

Why the hostility? You claimed that this costs money with no differentiation between credit and debit until much later when it was pointed out to you. You either were misinformed or weren't telling the truth, but either way you were wrong. So no, you don't have to repeat yourself because you have yet to admit you simply didn't state the facts for whatever reason. No need to try to insult people who are trying to correct your error. If you don't want to use the service, then don't, but don't lie about how it works either.

And coming in at the 11th hour and claiming Apple may someday start charging a fee is nonsense and completely speculative.
 
Working for me as of 11:30am
I’m in the Monterey Bay Area in CA.
I’ve got it all set up and functioning
 
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