Apple Pay or Apple Cash is a system owned by Apple inc. It only works from mobile phone to mobile phone, and only on iPhones.  If you have an iPhone and want to pay via Apple Pay, you can do so by paying Steve directly in iMessage. Here is how to do that:

 

  First, you will need Steve's mobile number (8o1-953-5443).  You will also need to have iMessage enabled.   If these two conditions are met, all you will need to do is start a message to Steve and click on the            button.  Find Apple Pay in the options and follow the prompts on your phone.