Important: Metal Pay is not available in all states. Check with your friend first if he/she would be able to use Metal Pay before sending a payment.
Step 1: Tap on the 'Send' button on the Metal Pay homepage to access the payment page.
Step 2: Search for your contact by name or phone number. If the contact doesn't show up, a 'Looking for someone' button will appear, tap on it to pay someone directly with their phone number.
Step 3: Enter their phone number and tap on the 'Next' button.
Step 4: Enter the person's name and tap on the 'Next' button.
Step 5: Select the amount you want to pay, add a note of what the payment is for and tap on the 'Pay <name>' button.
Step 6: The default choice to pay someone is with Cash. If you don't have enough funds on your active Cash balance, you'll be able to pay from a different funding source. Click on the 'Pay <name>' button to confirm the Cash payment.
When clicking on the Pay button, you authorize Metal Pay to debit your bank account for the amount noted in the app on the day you send the payment. We recommend to only send cash to people you trust. Once payments are sent, they cannot be reversed.
If you want to send crypto, check out this article: How do I send crypto in Metal Pay?