How to use the money from Apple Pay?
I’ve received money through apple but don’t know how to use the money on cash app card?
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You can use it to send money to others as described in Send and receive money with Apple Pay - Apple Support
You can use it to make a purchase in stores where Apple Pay is accepted. See: https://support.apple.com/en-us/HT201239#stores
If you have an Apple Card, you can use it to make a payment or partial payment on your Apple Card balance due. See the "Pay with Apple Cash or a different bank account" section of How to make Apple Card payments - Apple Support
Or you can transfer it to your bank account or to a VISA debit card. See: Transfer money in Apple Cash to your bank account or Visa debit card - Apple Support