Transfer Money
what if you sent apple cash and they person never accepts it. How long do I have to wait to determine if I can add that back into my bank balance?
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Send, receive, and request money with Apple Pay - Apple Support
https://support.apple.com/HT207875
Use Apple Cash or a debit card in the Wallet app to send and receive money in the Messages app.
--> How to cancel or dispute a payment
1. Open the Messages app, then open the conversation and tap the payment.
2. Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.
3. Tap Cancel Payment.