How Apple Pay works
My fiancé is out of town and he is trying to send me money. We really trust apple. So we are wanting to use Apple Pay. How does everything work. And is there a way to get cash out?
iPhone 8 Plus, iOS 12
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See the following: Send, receive, and request money with Apple Pay - Apple Support
Regarding the getting the cash out part of your question, see below which is an excerpt from the link above:
When someone sends you money, it's automatically received and securely kept in Apple Cash. You can use the money right away2 to send to someone or spend with Apple Pay in stores, within apps, and on the web, or you can transfer to your bank account.