How do people pay me with Apple Pay

This link explains how --> Send and receive money with Apple Cash - Apple Support

This is person to person. If you are a business:

If your business already accepts credit and debit cards, simply contact your payment provider

to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app,

visit Apple Pay for developers. And Apple Pay Later is part of Apple Pay — no integration or additional steps are required.

With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers. No extra terminal or hardware is required.5 If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.

Download the Apple Pay mark to use within email, on your terminal screen, on your website, and in your app. You can also order Apple Pay decals to put on your storefront window and register. You can even get marketing materials for Apple Pay Later, including a messaging widget and logos.

• Download the decal and guidelines
• View online marketing guidelines
• Order Apple Pay decals for your store
• Add Apple Pay to your Maps listing

Eligible merchants in the United States that accept Apple Pay online and in apps are automatically set up to accept Apple Pay Later — no integration work required. For more details about the merchant experience, visit Apple Pay Later for Developers.

Assuming you’re just an individual and not a business, this is done using Apple Cash as described here.

Send and receive money with Apple Cash - Apple Support

You can send and receive money using Apple Cash. You will both need to use the Apple Cash card and the money is sent from another iPhone in the Messages app.

Send and receive money with Apple Cash - Apple Support