iOS 11.2 is available now as a free update and is required to make person to person payments and use Apple Pay Cash on iPhone and iPad. Customers who have already updated to iOS 11.2 can simply restart their devices to begin sending and receiving money with friends and family and using Apple Pay Cash. watchOS 4.2 will be available as a free update and is required to send and receive money and use Apple Pay Cash on any Apple Watch model.

Apple customers who don’t already have Apple Pay set up on their supported device can still receive money from friends and family without needing to install a new app or add a card to Wallet. When new users receive money for the first time, it's simply added to their new Apple Pay Cash card once they accept the terms.

Users can also view their transaction history, including person to person payments as well as purchases they’ve made in stores, apps and on the web with Apple Pay Cash, right in Wallet.

Security and privacy is fundamental to the design of all Apple hardware, software and services. Sending and receiving money from friends and family is now secure, faster and more convenient than ever with Apple Pay. Each person to person payment and purchase made with Apple Pay Cash is authenticated with Face ID on iPhone X, Touch ID on other iPhone and iPad models or a secure passcode on Apple Watch.