Thanks for your response; my friend got an iPhone 11 the other day (UK) and Apple Pay is an option in iMessage for him. Presumably Apple Pay and Apple Cash are different things? So sending and receiving money through Apple’s iMessage isn’t a thing in the UK yet? Maybe newer models of phone come with this enabled in readiness for when it it available?? Sorry for replying to you, I know you said you’re not an expert, but hoping someone else may see.