I can’t Pay with Apple Pay
Anytime someone tries to send me money it says I don’t have my Apple Pay set up and I hundred percent do!
iPhone 12 mini, iOS 16
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Best reply
How are they trying to send funds? Are they using Apple Cash? Do you have your Apple Cash account setup and verified? Are you in the US?
Please review the support links below.
Set up Apple Cash - Apple Support
Set up and use Apple Cash on iPhone (U.S. only) - Apple Support
Identity verification for Apple Card or Apple Cash - Apple Support