Applepay

• If your Apple Cash is locked or restricted you must go here to start the lengthy process of getting it unlocked or the short process to get it unrestricted - If your Apple Cash account is restricted or locked - Apple Support

Go to your Apple Cash card

• iPhone: Open the Wallet app, then tap your Apple Cash card.
• iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
• Apple Watch: Open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.

You'll see the option to Verify Identity or Contact Apple Support. Tap one, then follow the onscreen steps. Learn more about identity verification. 

Hello KahlilTr26,

Thanks for reaching out through the Apple Support Communities about your Apple Cash account being locked.

This article covers the steps to take when this occurs: If your Apple Cash account is restricted or locked

Should you need further assistance after reviewing that article, you’ll want to reach out to Apple Support: Contact Apple Support

Take care.