Apple account balance
How am I able to use my money on the my account besides the store? Is it able to be converted to Apple Pay?
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Normally once funds are in Apple Account balance the only way to get them out again is to spend them.
From: Check your Apple ID balance - https://support.apple.com/HT202359 -->
"About unused Apple ID balance
You can't redeem or return Apple Gift Cards, App Store & iTunes Gift Cards, or unused Apple ID balance for cash, except as required by law. If your jurisdiction allows for refund of redeemed gift balances, you can contact Apple Support."
How you can spend them depends upon where you live.
To learn 'What you can buy with your Apple ID [Apple Account] balance', click here --> https://support.apple.com/HT211187
"Where the Apple Gift Card is available, you can use your Apple ID balance to buy products and accessories at apple.com or in the Apple Store app."
For a list of countries where the Apple Gift Card is available, Click here --> https://support.apple.com/en-us/HT202631 and search for 'Apple Gift Card'
(Nov 25, 2021: the USA, Canada, Australia, and Japan)