Can businesses send money to users with apple pay?
Yes. My business has a business credit card that’s activated on Apple Pay and that works for depositing funds into Apple Pay Cash as well as Square Cash. And when Apple Cash is low, the debit card will fund sending monies. 

I wouldn’t use it for payroll or large payments, but it works well enough to be super handy. There is no API and the payments are iOS and macOS TouchID /FaceID centric.