Why can't someone receive Apple Cash?

Here's what you need

To send and receive money with Apple Pay, you must be at least 18 years old and you must live in the United States.2You also need these things:

• A compatible device with iOS 11.2 and later or watchOS 4.2 and later. 
• Two-factor authentication for your Apple ID. Make sure that you sign in to iCloud with your Apple ID on any device that you want to use to send or receive money.
• An eligible debit card in Wallet, so you can send money. Learn how to add a card.

Then you need to agree to the Terms and Conditions. You can do this the first time that you try to send or receive money. You might also be asked to verify your identity.

After you accept the Terms and Conditions, you can send and receive money with friends and family quickly, easily, and securely right from your iPhone, iPad, or Apple Watch. 

Learn how to send money to friends.

You can't use person to person payments with Apple Pay for any business-related activities, such as operating a business or paying employees. 

Set up Apple Cash to send and receive money in Messages - Apple ...

https://support.apple.com/en-us/HT207886