You’re right, it is Apple Cash. I send him money that way all the time, through the messages app on my iphone. I tried to send the money and there was a little red ‘x’ and it said “payment failed” and went on to say that Apple Cash wasn’t working. I then received a notification from my chime that I had just spent $98.57. I went to my Chime the transactions right there I’m flipping between apps looking at it right now. I sent him (my little brother) $100 (the same way) after the failed payment and everything went through, so we’re lost as to where the $98.57 is; we’re looking at his phone in our messages there is no $ 98.57 sent to him. But it clearly shows that I sent him $100 an hour later. All $198.57 have been taken out of my Chime (in the two separate transactions explained above).