My Apple Pay is restricted
Why is my Apple Pay not working
iPhone 8, iOS 15
Apple Pay is the way to pay. It replaces your physical cards and cash with a method of payment that is private, easier and safer. Whether you pay in a store, on a website or in an app. This is the new payment.
it is actually the same as paying contactless with your bank card, only via the iPhone.
See -> Use Apple Pay for contactless payments on iPhone
Use Apple Pay for contactless payments on iPhone – Apple Support (UK)
See -> If your Apple Cash account is restricted or locked
If your Apple Cash account is restricted or locked - Apple Support