Hello slimjp35,
Welcome to Apple Support Communities!
We understand that you're getting a message that someone can't receive payments sent with Apple Pay at this time. We're happy to provide some information to you about that.
Below is an article that will be able to help you with payments that can't be sent. Go through the article and follow the steps provided in the article.
If you can't send or receive money in Messages with Apple Cash
If there is still an issue with payments being sent we recommend contacting Apple Support directly for further help.
Let us know if you have any questions.
Thank you for using Apple Support Communities.
Take care!