You tie a single account to cross play. This will become the master account. Choose the platform on which you have made the most progress.
You can now play That account on any platform except stadia.
The down side is that this isn't like Microsoft cross play. You do not get the game itself on multiple platforms by buying it once. You need to buy content on every platform you want to play on. Potentially this is a super expensive thing.
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I have destiny 2 for both pc and ps4 so could I just swap between the two?
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As long as you have the same content purchased on both systems, then yes.
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You don't even have to have the same content. You can have vanilla on one and everything on another and still use cross save.