Apple Pay

Hello coopthegr8,

Thank you for reaching out to Apple Support Communities, and we'll be happy to help in any way we can. We understand you're having issues with Apple Cash being restricted. Follow the steps here to resolve the issue: If your Apple Cash account is restricted or locked - Apple Support

"If your Apple Cash account is restricted

Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay. You can't send or receive money, or add money to your account.

If your account is restricted and there are no instructions provided, contact Apple Support."

We hope this helps.

Cheers!