I set up my bank account and I’m currently under review says 3 to 5 days a decision I need to be paid today. Why can’t I set up my Apple Pay instead?

I understand the urgency of getting paid today, Steven. The under review status is a standard security measure for new QuickBooks Payments accounts to verify the bank account, and this hold cannot be bypassed for your initial transactions.
 

Please note that while Apple Pay is available as a payment method for your customers to pay invoices, it cannot be used to receive direct payouts. To receive payments today, consider alternative payment methods outside of QuickBooks until your account is fully approved.
 

If you need any further assistance, please don't hesitate to leave a message below.