How do I request a refund for an Apple Pay transaction?

1. If You Paid Through an App or Website:

Refunds are handled by the merchant, not Apple. Here’s what to do:

• Contact the merchant or app developer directly and request a refund.
• If they approve it, the refund will be credited back to the original payment method (e.g. your Apple Pay-linked card).

You can usually find merchant contact info in:

• The app you purchased from
• Your email receipt
• The Apple Pay transaction details in your Wallet app (tap the transaction, then scroll down)

2. If You Used Apple Pay In-Store:

• Go back to the store with the original card you used with Apple Pay.
• Ask the store to process the refund — they may need to scan or tap your iPhone or Apple Watch again to verify the payment method.
• If the store has a return policy, they will issue a refund using the same card you used in Apple Pay.

3. Track the Refund:

• Open the Wallet app.
• Tap on the card you used.
• Tap the transaction, and you’ll see refund status once it’s processed (may take a few days, depending on your bank).

4. Still Need Help?

If you can’t resolve the issue with the merchant:

• Or contact Apple Support directly if you’re unsure how to proceed: Official Apple Support

Apple Pay transactions/refunds depend on the method of payment used. Start with the merchant. If you have issues with the merchant, then

Credit card? Contact. your card issuer

Debit card? Contact your bank

Apple Card? Use the support mechanism inside the wallet app

Apple Cash? Ask the other party to refund the funds.