I didn't receive the refunded money from Apple pay

I did an online shopping via using apple pay and returned the items a month ago (Sep 24). They refunded the money on Oct 7 to apple pay, but I didn't receive the money in my bank. It seems like Apple is keeping my money. Where did my money go?

Posted on Nov 7, 2025 11:49 AM

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Posted on Nov 7, 2025 12:01 PM

No money goes to Apple or Apple Pay for any refund. It would be deposited directly into your account that paid for the purchase, and Apple is not involved in any way. Contact the Merchant and get the ARN (Acquirer Reference Number) for the refund, then follow up with your bank where they can track the transaction using that number.

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Question marked as Top-ranking reply

Nov 7, 2025 12:01 PM in response to zeynpsakn

No money goes to Apple or Apple Pay for any refund. It would be deposited directly into your account that paid for the purchase, and Apple is not involved in any way. Contact the Merchant and get the ARN (Acquirer Reference Number) for the refund, then follow up with your bank where they can track the transaction using that number.

I didn't receive the refunded money from Apple pay

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