If my Apple Pay is ristricted how do I undo that?

Unless your question directly applies to "Apple Pay Later" look

further than blue-link in above reply. ~ That's not for "Apple Pay"

If the above does not address your concern:

"Is your Apple Pay/Cash account restricted?"

Click here:

If Apple Pay Cash is restricted or locked - Apple Support

//support.apple.com/HT207932

"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."

https://getsupport.apple.com/?caller=kbase

"Your account restriction or lock may be temporary until you verify

your identity or while your account is under review, OR you may need

to contact Apple Support for next steps." (a more general support link)

Kindly inspect this page if the instructions will help you with your predicament.