HELP W/ APPLE PAY

Transferring cash to your bank account takes 1-3 business days. Weekends do not count as business days. You can do an instant transfer if you have a Visa debit card. The link with all this information is here - Transfer money from Apple Cash to your debit card or bank account - Apple Support

talk to your bank about it at least some banks put your money on hold sometimes

and what do you mean you received money from Apple Pay? do you mean the apple cash/card feature.