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.