Why Is My ApplePay Restricted ?
I don’t know the reason why my Apple Pay account is locked and due to the pandemic that’s the only way I can receive money
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This is a user-to-user forum; we don’t know why your Apple Cash was restricted, but here is Apple’s support link→If your Apple Cash account is restricted or locked - Apple Support
There are many other ways to receive money; Paypal, Zelle (a bank-provided network), Venmo, etc. It would be good to have a backup, especially as Apple Cash only works between Apple devices.