You can send money to your friends using Apple Cash,
which you can set up and use through Apple Pay.
Both you and your friend need to have
either an iPhone 6 or newer, or iPad.
They have to be running iOS 11.2 or later.
You must enable two-factor authentication
for your Apple ID.
To begin, enable Apple Cash.
To do this, go to the device's settings.
Scroll down to "Wallet & Apple Pay."
In "Wallet & Apple Pay,"
tap the toggle next to "Apple Cash."
You will see the Apple Cash added
under the payment cards.
Tap on "Apple Cash" and continue through the instructions.
Before you send money,
you need to load the Apple Cash with money.
Tap "Add Money."
You can set the amount that you want to add
as well as which bank account you're adding it from.
Next, to send money to a friend,
open your messages.
Open your conversation with your friend.
At the bottom of the screen,
you will see a black Apple Pay icon.
After tapping on the Apple Pay icon,
set the amount that you want to send to your friend.
Continue by pressing "Pay."
You will see the payment
and designated amount in the text box.
Double-check the amount
and press the arrow to send the money.
Finish by verifying the payment
with your touch ID, face ID, or Apple ID password.
To request money from a friend,
simply tap the "Request" button
rather than the "Pay" button.
Double-check the requested amount
and send it to your friend.
The transaction will be complete
once they accept the request.