The Von Neumann universe $V$ satisfies ZFC, and there are other models within $V$ that are non-standard and satisfy ZFC. If we look at one of these non-standard models $M$ with a non-standard model of PA $P$, then internally to $M$ we have a notion of 'numbers' in $P$.
Consider a non-standard number $H$ in $P$. I want to understand what a set $A$ (in the non-standard model of ZFC $M$) of cardinality $H$ looks like. What will such a set's external (i.e., w.r.t. $V$) cardinality be? What about a set $B$ of cardinality $H+1$? It seems like you could just take the union of $A$ with some element of $P$ not in $A$ to get a set of cardinality $H+1$.
I am seeing a few ways to resolve this:
Sets of nonstandard cardinalities don't exist within $M$.
$A$ and $B$ exist in $M$; they have different cardinalities within $M$. However, with respect to $V$, they are both infinite and of the same cardinality. The only reason they have different cardinalities in $M$ is that the bijection between $A$ and $B$ is not within $M$.
$A$ and $B$ are infinite and have different external cardinalities, but you can't take the union of $A$ and some element of $P$ to get something of cardinality $H+1$ for some reason.
$A$ and $B$ are infinite and have different external cardinalities, but taking the union of $A$ and some element of $P$ is somehow externally not just adding one thing to $A$, but enough things to change its cardinality.
Which of these, if any, is the right answer?
Option 2 is correct: $M$ doesn't see the bijection that exists externally (= in $V$).
Specifically, let's take $P$ to be $M$'s actual version of $\mathbb{N}$ (I think this is what you had in mind anyways) and make our $A$ and $B$ really simple: let $a$ be some nonstandard natural number in $M$, and set $A=\{n\in\mathbb{N}^M: M\models n<a\}$ and $B=\{n\in\mathbb{N}^M: M\models n\le a\}=A\cup\{a\}$. Then:
In $M$, both $A$ and $B$ are finite and $A\subsetneq B$; so in $M$ there is no bijection between $A$ and $B$.
In $V$, both $A$ and $B$ are infinite, and $B$ is $A$ plus one element, so there is a bijection $f:A\rightarrow B$ in the true model $V$.
Another example of this phenomenon, which doesn't involve arithmetic, is: suppose $M$ is a countable transitive submodel of $V$ (ok fine, we need a weak hypothesis to guarantee such an $M$ exists, but ignore that for now). Then $\omega_1^M$ is an ordinal which in $V$ is countable; the reason $M$ doesn't see a bijection between $\omega_1^M$ and $\omega^M$ (exercise: $\omega^M=\omega$, since $M$ is transitive and hence well-founded) is because the countability of $\omega_1^M$ is only seen outside of $M$.
Incidentally, the following is a great exercise for becoming comfortable with internal vs. external reasoning.
Part (i) is immediate from elementarity and part (ii) follows from part (i); part (iii), however, takes some thought.
This isn't an exercise about nonstandard models, of course - everything we're talking about is well-founded - but it is all about being careful about what model believes what statement.