Apple account/apple pay

Funds in Apple Account are non-refundable and non-transferable with limited exceptions. If you accidentally transferred funds from a bank account to your Apple Account, the transfer may be able to be reversed.

Please review the Apple Support article below. The document contains information about the use of Apple Account funds and types of purchases permitted.

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

You can't. The Apple Account is only for purchases in the App Store. The Apple Account is also the location where Gift Cards are redeemed and those can't be converted to cash, so there is no way to move money out of your Apple Account. Here is what the account can be used for:

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support