You can use Venmo to make and receive payments from your contacts and others by connecting the platform to your bank account ...

You can use Apple Cash to send or receive money through iMessage on an iPhone or iPad. But first, you'll need to set up your virtual Apple Cash card.

Part payment app, part social media, Venmo offers a convenient way for friends to request and send payments. Find out how to use Venmo and how it compares to other popular digital payment platforms.

I've heard your pleas, and have had them myself. For iPhone owners who also use Windows, sending and receiving Messages from your desktop can take some finessing. I'll show you how I got it to work.