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You don’t have to switch to another app,” Davis tells me.“We’re not building a payments business here,” Facebook’s product manager on the feature Steve Davis tells me.Instead, Davis says the goal is to offer P2P payments for free to make Messenger “more useful, expressive and delightful.” Since Facebook makes so much money on ads, .59 billion in Q4, it doesn’t have to monetize payments directly.Users won’t have to fiddle with finding and entering bank account and routing info, making it easier than some alternatives, but they can only use Visa and Mastercard debit cards.Facebook decided against allowing credit cards because they would entail fees and it didn’t want users to get charged if they didn’t understand.

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Davis says the product evolved from a different initial incarnation but was cagey about exactly how long Facebook has been working on the feature.

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