why is my apple pay restricted ?
How long would it take for my apple pay to become unrestricted ?
Read again -> Related Article: If your Apple Cash account is restricted or locked
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If your Apple Cash account is in review
If your account is restricted while under review, you can't send or receive money with Apple Cash, or add money to your account. If your account is locked while under review, you also can't transfer money to your bank or make purchases with Apple Pay.1
Reviews take up to 2 business days. When the review is complete your account will either be active, or there'll be a message on your Apple Cash card with your account status.