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Hello,English xxx movie $3. That was easy. Venmo, you're screwed.

Apple Pay Cash is a super simple person-to-person payment system that works exactly where millions of us already live our lives: text messaging. Apple teased it during its Worldwide Developers Conference (WWDC) in the spring, but didn't release the feature until Tuesday when it debuted in the iOS 11.2 beta. A day later, I took it for a test run.

SEE ALSO: Apple iPhone X review: A bold step into the future

The requirements are straightforward. You need to set up Apple Pay on your iPhone with credit or debit cards assigned to the account, and whomever you're transacting with must also have the iOS 11.2 beta installed (the full iOS update should arrive within a few weeks).

Senior Tech Correspondent Ray Wong and I updated our iPhones with the latest beta and then started texting each other. I told Ray he owed me $3. He texted back that he'd pay.

Nothing happened.

Turns out we had to go through a very brief Apple Pay Cash setup process. I tapped the App Drawer Icon at the bottom of my iMessage window and it opened on an inch-or-so-deep iMessage Window I've never seen before. There was a large "$1" bookended by plus and minus signs. Below that were options to either Request or Pay. I used the plus sign to increase the amount to a whopping $3 and then hit the Request button.

Original image has been replaced. Credit: Mashable

That triggered the official Apple Pay Cash setup process where I had to OK a brief Terms and Conditions window and then wait as the iPhone set up my first Apple Pay Cash digital card in my Wallet. This took about 20 seconds.

With that done, I was back in my iMessage thread. I hit the Request button again and a large black and white Apple Pay Cash bubble appeared in my text compose window, complete with plus and minus signs. I hit the blue up arrow to send the request to Ray. On his iPhone, next to the little animated ellipses showing that I was typing on the other side of our text conversation, was a tiny Apple Pay logo. When he received my cash request, it looked just like the big Apple Pay Cash bubble on my iPhone, but with the addition of a large, white "Pay" button.

Ray did not hesitate to pay me, thank goodness, and when he tapped that "Pay" button, an Apple Pay Cash window opened in the App drawer on his phone. It was pre-populated with my precious $3 and he hit the "Pay" button to send it my way.

Original image has been replaced. Credit: Mashable

On my iPhone, I saw the same tiny Apple Pay logo next to the messaging ellipses as Ray confirmed that he really did want to send me those three dollars.

On his iPhone, Ray saw an Apple Pay window with his debit card info (credit card use will charge you 3% per transaction; debit cards are free), how much he was paying and to whom he was paying it (me!). Below that was the Touch ID symbol. Ray put his thumb on his home button and completed the Apple Pay Cash transaction.

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On my side, I got another large Apple Pay Cash bubble with "$3" in it. I tapped it and could see that I had $3 in my brand-new Apple Pay Cash Card. I can choose to transfer the money from this card to my regular bank account, though I needed to set that up separately.

Ray and I did a few more transactions and noticed that, from then on, whenever we mentioned money in iMessage (and use a dollar sign), the amount was automatically underlined. If I clicked it, it opened the Apple Pay Cash menu right below it. It was easy and intuitive. Ray and I did a few person-to-person transactions until I finally had $6 of his hard-earned cash in my Apple Pay Cash Card.

This is real money

It was time to hit Starbucks.

Apple told me that Apple Pay Cash cards can be used any place that accepts Apple Pay.

At Starbucks, I ordered a cup of coffee and slice of cake. Then I opened my Apple Wallet, selected the Apple Pay Cash card and held the phone near the checkout kiosk while placing my thumb on the Touch ID button. The kiosk immediately accepted payment and I watched my Apple Pay Cash card balance dip to 38 cents.

Original image has been replaced. Credit: Mashable

Apple Pay Cash worked just as smoothly with Siri.

I told Siri I wanted to "Pay Ray Wong a dollar." A moment later, a Messages window appeared with a $1 Apple Pay Cash bubble. I said, "Send," and then approved the transaction with my fingerprint.

Virtually everything about Apple Pay Cash's person-to-person payment system was easy. Ray and I traded funds with zero friction and I could spend what I got without waiting for it to clear any sort of third-party banking system.

Better yet, there's no weird social element involved here. No one needs to know that Ray and I sent each other a few bucks. I never got the appeal of doing that in Venmo, or joining a social network relating to finances, however minor the actual transactions are. This is how person-to-person payments should work: no middleman, no social network, no other apps. Just two people (or more) chatting about money and making sure everyone gets theirs.

Obviously, this only works for iMessage-to-iMessage transactions, which cuts out all your Android friends who owe you money. Even so, if I were Venmo, I'd be very, very worried.

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Apple Pay Cash

The Good

• Quick setup

• No need to re-input card info that's already in Apple Pay

• Can be used with and iPhone user and any vendor that accepts Apple Pay

• Works inside Messages

The Bad

• iOS only, no Android

The Bottom Line

This is one of the easiest-to-setup and use person-to-person payment systems we've ever encountered.

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