Apple focuses on ease of use in "Just text them the money" Apple Pay ad

It’s interesting that Apple Pay Cash is still limited to the US. Surely it’s not that big a leap, when Apple Pay is already successful, to launch it in markets such as the U.K. 

iantimmy123 said:

 such as the U.K. 

... and Australia.

Meanwhile, the Android user gets to freeload and loves Apple Pay even more because...well, he can't Apple Pay anyone back.

After reading the related article about the security and privacy of Apple Pay Cash, I'm going to encourage everyone whom I do or might PayPal with to use that instead.

iantimmy123 said:

It’s interesting that Apple Pay Cash is still limited to the US. Surely it’s not that big a leap, when Apple Pay is already successful, to launch it in markets such as the U.K. 

Apple Pay is inherently more complex to set up than Apple Pay Cash (APC) because Apple needs to have multiple financial instructions in the chain between the user and their bank, and that's not including the retailer accepting NFC-based payments. With APC it's between iPhones and Watches (which is even fewer device types than with Apple Pay), and it's just a regular debit card to pull from your bank (assuming you don't have enough on APC card held by Apple) and your check routing and account numbers to put into your account. That's all pretty standard and what PayPal and many others have been doing for well over a decade.

So even if Apple Pay didn't exist, Apple could've still created a P2P payment system through their their chat service, which is also something that's existed well before APC was ever announced. So what's the hold up if PayPal is in over 200 countries? ¯\_(ツ)_/¯ 

• https://www.paypal.com/us/webapps/mpp/country-worldwide

It's easier to look at the prohibitive countries:

• https://www.paypal.com/us/webapps/mpp/bigcommerce/security/prohibited-countries