Why was my account restricted from sending and receiving money from Apple Pay?
Why can’t I send or receive money from Apple Pay?
iPhone 13 mini, iOS 15
Question marked as
If both parties in the Apple Cash transaction are the US, and meet the general requirements…
Then use the Get Support link in the upper right of this webpage, and ask this question of Apple Support.
They have access to your Apple ID and transaction history, and should be able to determine what issue or limit lurks here.