You can also use the Apple Cash app to send and receive money using the iPhone's messaging app. On the other hand, it can be difficult to send payment using the Apple Pay to Cash app. To protect your savings, you may need to verify your identity in certain locations when using Apple Cash. However, if you do not provide this information, you may not be able to use all of the features of Apple Cash. Then, you can visit the website to learn more about cash payment programs.