Rumors have long swirled that Apple (AAPL -1.18%) is considering a payments business to take on the likes of PayPal. But will that in any way move the needle on Apple's bottom line, or is it more of a game-changer across the payments market, with ripple effects felt by all the companies vying for this space?

In this episode of The Motley Fool's Where the Money Is, banking and financial services bureau chief Matt Koppenheffer and analyst David Hanson discuss whether it's a matter of when, not if, Apple gets into the payments business and how the company jumping into this space might disrupt the market.