I want to cancel an automatic pending payment that was charged on Apple Pay

Send, receive, and request money with Apple Pay - Apple Support hhttps://support.apple.com/HT207875

"If you send money to someone who hasn't accepted the payment, you can cancel the payment. Here's how:

1. Open Messages and go to the payment. Or go to the payment in transaction history.

2. Tap the payment to see its details, then check the Status field.

3. Tap Cancel Payment. The Status field updates to say Canceled. If you don't see the option to cancel, then the person has already accepted the payment. Try asking the person to send money back to you instead.

If you reject or cancel a payment, the money will be refunded by the next business day depending on your bank or card issuer.

This is a payment from your credit or debit card. Contact your financial institution.

How to dispute a payment

To open a dispute for a transaction, contact us. Apple Pay person to person payments are just like any other private transaction between two people. If you sent money to the wrong person, try to cancel the payment or ask them to send the money back."