Restricted apple pay
my account is restricted after it made me verify which I have never needed to do before
iPhone 13 Pro, iOS 16
It’s not Apple Pay that is restricted, it’s your Apple Cash account. Please review the support article I linked to below.
There is a $500 threshold that you are near passing and now required to verify your identity.
If your Apple Cash account is restricted or locked
Apple Cash is a service that’s administered by Green Dot Bank. Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552 or by calling 1-800-MY-APPLE