If you link payment methods with your account manually then you can select the pay with. Apply pay's settings direct you to apple wallet and apple messages to make any transaction. You are required to add card details to your account if you have not added it already. Follow this steps how to send money on apple pay given below: -
1. Open apple wallet on device and open system preferences.
2. Then, tap on the wallet and apple pay and click on add card.
3. You should follow on screen prompts to ass your card info
4. Now, save changes and the apple pay send money app will automatically check and verify your identity with your bank or card holder.
5. Once apple pay sends money, the application allows your identity and your card info will be saved to your account.
