Apple Pay App's

To send or receive money you first have to be 18! Reside in USA, have a comparable device with IOS 11.2 or later or a watchOS 4.2 and later. Two factor authentication for your Apple ID. Sign into same iCloud and iMessage with Apple ID. On any device you want to use or send or receive money on. Money on your Apple Cash Card and or so eligible debit card in your wallet! Agree to terms and conditions. Open conversation in messages and tap 🍎Pay! Terms and Conditions l, agree and verify your Identity.

My apologies, I think I posted a question this morning and when you asked for more details. I simply answered it to the best of my knowledge. Learning bit by bit! If it confused you sincerely sorry