PayList takes the familiarity, success and networking capabilities of SMS styled messaging such as whatsApp and combines within it Peer to Peer Payments. In real life when you pay back your friends for money you owe them it usually involves a conversation PayList allows you to send money while conversing within the App and even allows you to send attachments, emoticons and pictures with the money. PayList even allows you to create group chats in case there is more than one who owes you money. The App also has a payment history option between individuals that shows historical transactions between individuals reference time, day and what it was for so there cannot be forgotten payments or misunderstandings that usually happen in real life. Eventually with a big enough user base we will be adding small businesses such as consultants and sales associates and perhaps even small stores and non-profit organizations but for now only friends and family will be added to the individuals PayList.