My two factor authentication is ON but not working for Apple Cash. Why?

Hello jmhousley0007,

It sounds as though you're having issues using Apple Cash. Have you checked out article, If you can't send or receive money with Apple Cash - Apple Support? If not, it's a good place to start working on issues with this feature.

Keep in mind you'll first need to confirm the following, to use this feature:

What you need to send or receive money

To send and receive money using Apple Cash, you must be a resident of the United States and your device must be in the United States.1 If you're under 18 years old, your family organizer must set up Apple Cash for you as part of Apple Cash Family. Then, you can send and receive money in Messages or Wallet.

To make sure that you have everything you need, follow these steps: 

1. Check for iOS or watchOS updates.

2. Make sure that your device is eligible.

3. Make sure that you have a Wi-Fi or cellular connection. 

4. Sign in to iCloud and iMessage with the same Apple ID on any device that you want to use to send or receive money:

- iCloud: Tap Settings > [your name].

- iMessage: Tap Settings > Messages > Send & Receive.

If you still need help, contacting Apple's Apple Pay experts is the best option. You can reach them at Apple Support.

Best regards.