Won’t let me set up teen for Apple Pay

To set up Apple Cash Family you must first close any accounts that children already had. Make sure that the balance is zero then go here - Manage your Apple Cash account - Apple Support next, go here - Set up and use Apple Cash Family. (Additional support links View and limit your child or teen's Apple Cash activity, Leave Apple Cash Family, Apple Cash and person to person payments limits)

If it is restricted she should be able to transfer it to her bank but if its is locked she needs to go here - If your Apple Cash account is restricted or locked - Apple Support