Big mistake: accidental transaction on hold. refund? please help

Hi folks. I made a little bit of a (large) mistake for my first time using Apple Pay. I was attempting to send someone some money, but it went on hold (which is good, cause I had a fever and I didn't actually mean to send that money. oops). So now it is on hold cause its a large amount and that is quite sus. Will it default back to me? The peer I transferred it to says that it will not go through ever, and in order to trigger an automatic refund, I would have to send even more money to hit a $1500 daily limit. But that doesn't sound correct to me (and Google concurs). Will the payment ever go through? Will it bounce back? Can I sort this out through my bank? (But I cannot dispute the charge apparently until it goes through. I know that Apple Pay has a different system, but the transaction does show in my bank transaction history. )

Please help