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I had someone send me money on my Apple Pay but it says it is pending but I don’t know why?
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Hello Pear_ It could be your Apple Cash is set up for "Manually Accept Payments". In Wallet Click Apple Cash Card > Click 3Dot Circle in top right of screen > Check your Accepting Payments Options. Also take look at Apple Support Page on Apple Pay.
Set up and use Apple Cash on iPhone (U.S. only) - Apple Support