How do I set up a PIN number for Apple Cash?
How do I set up a PIN number for the Apple Cash so I can use my phone to checkout
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Hello ~ Take a look here by clicking on this helpful link below …
Set up and use Apple Cash on iPhone (U.S. only) - Apple Support*
*Make purchases with Apple Cash
You can use Apple Cash at locations that accept Visa and support Apple Pay:
Some stores may require a PIN to complete transactions with Apple Cash.
Apple Cash doesn’t require a PIN because every payment is authenticated by Face ID, Touch ID, or a secure passcode. However, some terminals may still require you to enter a four-digit code to complete the transaction. To see your PIN, tap 
, then tap Card Details.
I hope this helps.
~Katana-San~