The update is arriving piece by piece to those who've downloaded iOS 11.2, which launched two days back with a not-yet-live version of the feature. When Apple customers receive money on a supported device, the money is added to their new Apple Pay Cash card. A support document issued by Apple tells users to turn off notifications for all apps on the iDevice before installing iOS 11.2.
It's time to update the software on your iPhone again. This bug appears to be the reason Apple pushed out iOS 11.2 so quickly to all users. But with Apple Pay Cash, all you have to do is open Messages and select the Apple Pay icon from the app drawer (a.k.a. that little row of app icons that shows up below the place where you compose your message). Siri can be used to both send and request payments with contacts.
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After setting up Apple Pay Cash on iPhone with iOS 11.2, Apple Pay Cash becomes an option in watchOS 4.2 in the Messages app and Wallet app on Apple Watch. Money sent is drawn from the credit or debit card tied to a user's Apple Wallet.
It would appear that part of the problem stems from Apple hurrying out the upgrade to iOS 11.2, which Cupertino pushed out to squash a bug that was causing severe iPhone crashes due to problems with the date changing from December 1 to December 2. It's possible that Apple will formally activate Apple Pay Cash later this week.