Why is my Apple Pay restricted?

Apple Cash

If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases in stores, within apps, and on the web. If your account is locked, you can't use Apple Cash to make purchases; add, send and receive money; or transfer the money in your account.

If your Apple Cash account is restricted or locked - Apple ...

If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases in stores, within apps, and on the web.

If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases in stores, within apps, and on the web.1

If your account is locked, you can't use Apple Cash to make purchases; add, send and receive money; or transfer the money in your account.