Money is in child's newly set up Apple Cash account, but its getting declined
We currently have an Apple Cash account for our 15 year old with no issues, so we just set up one for our 13 year old. I went through the steps and set up everything through the Family Sharing, adding $75 to the account. My phone shows I added it and my daughter's shows the money is in there. But when she tried to use it, it got declined. Am I missing a step or is there a period you need to wait before it works?
iPhone 11