After weeks of speculation about when Apple Pay Cash would be made available to the public and confirmation that Apple employees had been testing it, the feature has finally appeard in the latest iOS 11.2 beta according to an Apple support document. Now users enrolled in the Apple Beta Software Program can download the new beta and begin transferring money to one another through the Messages app. The feature only works if the person receiving the transfer is also running a compatible version of iOS, has two-factor identification set up and has an eligible credit or debit card in Wallet. Once that is all squared away, users can use Messages or Siri to send funds from the linked credit or debit cards, and once received they are stored in an Apple Pay Cash card within Apple Wallet, from which funds can be spent through Apple Pay or transferred to a bank account. Transferring cash from a debit card is free, but using a credit card to send funds charges a three percent fee. Apple Pay Cash is also currently only available in the United States, and users must be at least 18 years of age to send and receive money with Apple Pay.