i was sent $650 it show completed but didnt receive it in my apple p

Did you verify your Apple Cash account? The size of the transfer exceeds certain limits federal banking regulations requiring customers to identify themselves.

Please review the Apple Support article I’ve linked below.

Identity verification for Apple Card or Apple Cash - Apple Support

Have you accepted the transfer? Please review the support article I linked below.

Send and receive money with Apple Cash - Apple Support

If that doesn’t resolve the issue, please contact an Apple Cash Specialist. Apple Cash is a service that’s administered by Green Dot Bank. Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552 or by calling 1-800-MY-APPLE

https://applecash.greendot.com/termsconditions/

Apple Pay is not an account the receives funds. Do you mean Apple Cash?

Please read the rest of my post and if you haven’t accepted the transfer, you’ll need to do it ASAP or it’ll be sent back to the sender. Your other option is to call an Apple Cash Specialist.