At what point can I apply Apple Cash?

Hello robinfromrepublic,

If you're looking for assistance setting up Apple Cash, then you'll want to review the steps from Set up and use Apple Cash on iPhone (U.S. only) - Apple Support

Do any of the following:

Go to Settings  > Wallet & Apple Pay, then turn on Apple Cash.

Open the Wallet app, tap the Apple Cash card, then tap Set Up Now.

This article also has details on using Apple Cash for payments.

If you do have it set up and are looking how to send and receive it, then check out Send and receive money with Apple Cash - Apple Support

On your iPhone or iPad

1. Open the Messages app, then start a new conversation or tap an existing one.

2. Tap the Apple Cash button . If you don't see the Apple Cash button, tap  first.

3. Enter the amount you want to send.

4. Tap Pay, then tap the Send button  to review or cancel the payment.

5. Confirm your payment with Face ID, Touch ID, or your passcode.

If the person you sent money to has not accepted the money yet, you can cancel the payment.

Respond to a request for money on iPhone or iPad

1. Open the request in the Messages app, then tap Pay on the message.

2. Review the amount to send. Tap Pay to continue, or change the amount.

3. Confirm using Face ID, Touch ID, or your passcode and send your payment.

To decline a request for money, just ignore the message.

Thanks for using Apple Support Communities!