For the proces of send money on apple pay. First open the wallet. Then click on cash card and then send. Now you have to either type person name or email id or phone to whom you have to send money. Then click on next and type the amount. Then tap send with message. You also have an option of siri on iphone. You can also use it for sending money.
Also read:
https://inobee.com/read-blog/156212