can I send money via Apple Pay to someone overseas?
can I send money via Apple Pay to someone in the United States if I am in another country but I also have an American bank?
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"Learn what you need to set up and use Apple Cash for members of your Family Sharing group that are under 18 years old." Click on the link for 'Set up and use Apple Cash Family' --> https://support.apple.com/HT211324
Make sure each device region is set to the United States.