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What you described has been available for a long time. The old Facebook Pay (i.e. the ability to send payments to your friends via ACH) has been available in Messenger for at least 5 years (probably even longer). This new Facebook Pay seems to just add an easy way to link payment methods to your account and pay merchants on Facebook/Instagram.

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I'm just glad they're doing this properly. They wasted almost a decade on determining what everyone in the world already knew, i.e. ads in messaging products are just. not. gonna. work.

I guess that they were blinded by the margin discrepancy, like many others.

Isn't ACH a US specific thing?

For sending money inside a country is easy generally, international payments are much harder.

Yep, ACH is US specific, which is why Messenger Facebook Pay is only supported in the US [1]

[1] https://pay.facebook.com/availability

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