PEWAUKEE, Wis.-As more consumers try out Fiserv Inc.'s person-to-person payment service, Popmoney, the tool is evolving to become as much a social tool as a payments one.

When users send or request funds, Fiserv presents them with a message field that allows far more flexibility than the short memo line of a check. Some consumers type a simple "Happy Birthday," whereas others provide detailed, itemized breakdowns to account for every penny being transmitted. It's no replacement for Facebook and Twitter, but it shows that users expect recipients to read and respond to their comments as though they were regular e-mails.

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