If you see pending on your child’s Apple Cash, make sure they meet all the requirements for the organizer and members of the family group, according to an Apple Support article:
- Own a compatible iPhone, iPad, or Apple Watch with the latest version of iOS, iPadOS, or watchOS.
- Sign in to iCloud on each family member's device using their Apple ID.
- Turn on two-factor authentication for each Apple ID.
- Make sure that each device region is set to the United States.
Set up and Use Apple Cash Family ⇢
Set up and use Apple Cash Family - Apple Support