Apple Pay Cash Observations.

1. You are prompted to add a Debit Card if you don't have one configured (for Fee Free). However, that isn't necessary to use Apple Pay Cash. Sending a dollar to my wife's phone gave her the dollar, and cost me $1.03 (3 percent credit card fee).

2. My wife's phone (recipient) had to be set up for Apple Pay Cash before the money I sent her could be accepted.

I'm happy to see apple popularizing cash transactions phone to phone for the US, where it isn't widely used.
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