You’re welcome. You can use Apple Cash at a merchant’s location using Apple Pay (Tap-To-Pay) or online by filling in or providing the Apple Cash virtual card number. Person-to-Person (P2P) is strictly prohibited and more than likely a scammer.
A run a small travel photography related business and accept Apple Pay, credit cards etc. through my merchant account. If someone insists on P2P payment I use my Venmo business account that does permit that method. A legitimate business would not be using Apple Cash or other P2P payment service that are a violation of banking regulations and various terms and conditions>
I hope you have a great day!