Apple Cash doesn't require a PIN because every payment is authenticated by Face ID, Touch ID, or a secure passcode. There is also no card number, security code, or expiration date for your Apple Cash card.
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In a nutshell, here are the differences between these three Apple offerings: Apple Pay: The system in your iPhone that makes digital payments possible. Apple Card: A digital and physical credit card. Apple Cash: Like a prepaid debit card in your Apple Wallet that allows you to send and receive money.
The main pros of Apple Pay. Apple Pay transactions are incredibly secure. You don't have to carry a physical credit or debit card with you. Using Apple Pay is free. ...
The main cons of Apple pay. It only works with iPhone 6 and above. Not universally accepted by all merchants.