How to use Apple Pay to send and receive money?
How to send Apple Pay to someone what do they need to do to accept it
[Re-Titled by Moderator]
iPhone 14, iOS 17
Person To Person (P2P) transfers require each party have an iPhone with latest iOS update and Apple Messages app (formerly iMessage). For quickest transfer, both parties should have already opened their Apple Cash accounts.
Please review the information in the Apple Support articles I linked below.
Send and receive money with Apple Cash - Apple Support
Set up and use Apple Cash in Wallet on iPhone - Apple Support