You don’t always need Venmo or PayPal to pay a friend. If they have an iPhone and have Apple Pay Cash set up, sending or receiving money is just a few taps on their iPhone.
How do you pay someone with Apple Pay?
Apple lets you do this through the Messages app and the Wallet app. When you use the Wallet app, the iMessage conversation will still open in the Wallet app itself, so we're going to talk about the most convenient way to do this, which is through the Messages app.
The easiest way to send and receive money is through the Messages app. You can do it in the same iMessage thread, keep track of transactions, and get updates when you receive a payment.
Open the Messages app on your iPhone and go to the conversation with the person you want to send money to. Tap the Plus button and choose Apple Cash from the menu.