If you are a user of an Apple iPhone then you must already know that you can send someone money through Apple Pay by sending them a simple text in Messages. Another method is that you can ask Siri to deliver some cash. The cards already loaded into your Apple Wallet can be used to make this payment.
Once you get money, it will go directly into the Apple Pay Cash card in your Apple Wallet. When cash go into the card, you can use it to make a purchase using Apple Pay.