Apple Pay vs Apple Pay Cash

Where can I find a list of stores that doesn’t just accept Apple Pay? For example, when I go to ANY Subway, and I want to use Apple Pay, I can’t use Apple Cash, I can only use Apple Pay from my either of my bank cards in my wallet.

I think I saw somewhere that said Apple Cash goes through the Discover network, not Visa or MasterCard even though Bancorp is the banking system Apple Pay uses.

Regardless, this gets very frustrating when I’m broke as a joke and want food and get denied trying to use Apple Cash that people send me.

I don’t care about where Apple Pay is accepted because where I live, the only place that doesn’t is Walmart. It’s a list of Apple Cash stores that I want please.