How do I pay someone using Apple Pay?

Apple Cash is just like the name implies, cash. Apple Cash is intended only for use with family and friends. It’s prohibited to use for commercial activity. This means if you’re being asked to pay for goods or services using Apple Pay it most likely is a scam. There is no fraud protection, so buyer beware.

Please follow the step by step instructions in the Apple Support article I linked to below.

Send and receive money with Apple Cash - Apple Support