Apple Pay and Samsung Pay is like on Blackberry BBM Pay where you can pay a person directly haha
Some banks got an app but its not so widespread like samsung/google/apple pay. I wish something like this will be available also in android devices and lumias... its greater thing than some forcetouch.
Please stop calling it "peer to peer". Bitcoin is peer to peer. Whatever Paypal, and Google Wallet and this new Apple system will be doing will be more like "bank to bank". You're transferring money from one bank account to another - not from one person's personally controlled wallet.