Hello emerson120,
Thank you for posting in the Apple Support Communities. We're here for you.
To be sure, do you automatically or manually accept payments? If you have "Manually Accept Payments" checked in the Wallet app, then you have to manually accept the money. Check out the section "Automatically or manually accept payments" in this support document to learn more. Keep in mind that you have 7 days to accept the money.
Send and receive money with Apple Pay
Once money is in your Apple Cash balance, then you can take these steps to transfer the funds to your bank:
Transfer money in Apple Cash to your bank account or debit card
We hope this information is useful. Kind regards.