Send money to friends in Messenger

08 November, 2017, 00:40 | Author: Becky Perry
  • Facebook Messenger lets you pay friends and bug them for any money they owe you

Facebook intends its payments service to be as frictionless as possible within Messenger.

The service, which first launched in the United States in 2015, is coming to the United Kingdom as the first stop in its worldwide rollout, a decision made because apparently, we are "mobile-savvy consumers". It's the first time Facebook has launched the feature outside of the US.

"'With P2P [peer-to-peer] payments, this paves the path to us enabling small and large businesses to accept payments inside of Messenger", said David Marcus, who leads Facebook's Messenger team.

It's a convenient feature that saves you from the hassle of having to exchange bank details with people, save them and then carry out the transfer in a different app. However, all the major banks and credit card companies are taking part.

Virtual assistant "M" is on hand to recognise when you and a friend are chatting about money - so if you type about your friend owing you money, M will pop up and remind you how you can easily send or receive a payment via the app.

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Sending and receiving dosh with Messenger sounds like a dawdle, according to Facebook's instructions.

"The fact that you have to click and from there set up your account and from there pay someone doesn't scream mass adoption to me", fintech expert and co-founder of consulting firm 11FS Simon Taylor told City A.M. When you're in a chat with a friend, you will be able to press the blue "plus" symbol and you then select the payments option. People will need to sign up with their debit cards to send or receive money.

The Messenger payments system is simple to figure out.

Payments take between one and three working days to clear into someone's account, depending on their bank account provider. The new payments feature will compete against a growing number of P2P payment apps like Venmo, Paypal, and several others.

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