Messenger has supported peer-to-peer payments since last year, where users could actually send money through Messenger to their friends. However it seems that the app has been updated where it can keep an eye out for certain words or phrases, such as “IOU” or “you owe me” and will prompt users if they want to make the payment.
For example in the screenshot to the right, it shows a conversation where the other person reminds you that you owe them $18, but the conversation has since been turned into a clickable button where you can make the payment on the spot. This reminder should make it easier as users can quickly access the payment platform instead of having to launch it on their own.
Of course whether or not this will increase the number of people making repayments promptly remains to be seen, but we guess it’s there if you want to use it.