Apple Pay
If Someone sent me money over Apple Pay how do I use it? Am I able to transfer it? Am I only supposed to use my phone to pay? What if people don’t take Apple Pay?
iPhone XR, iOS 14
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See the following from Send and receive money with Apple Pay - Apple Support
When someone sends you money, it's securely received and kept in Apple Cash. You can use the money right away1 to send to someone, spend with Apple Pay, or you can transfer the money to your bank account or Visa debit card.