Using Apple Pay to receive money. How do you get it to your banl

The Apple Support article I’ve linked below explains how with step by step instructions.

Transfer money in Apple Cash to your bank account or debit card - Apple Support

She can also use the virtual Apple Cash card in her Apple Wallet to make purchases as merchants that accept Apple Pay (Tap-To-Pay).

Make purchases using Apple Pay - Apple Support

she needs to link a bank account or a debit card to her Apple Pay. If she goes into settings and go down to payment Apple Pay and payment and hit on the three little dots she will see me debit card or link bank account and then she can transfer it over to those..