I'm having random amounts of money taken out of my bank account from Apple Pay. How can I figure out what is being charged on my phone?

There should be a detailed transaction record in Apple Pay for each card you have set up.

Unless someone has access to your phone or other iOS device or a Mac with Apple Pay set up on it, it's not possible for Apple Pay to be randomly debited...

Why don't you try explaining what it is you're seeing, exactly.

I would like to add

If you see a transaction you do not recognize or have an issue with a transaction open Wallet>tap on the card used>tap on the transaction (photo 1)>tap on the amount (photo 2)>look for a report an issue link. (photo 3)

photo 1 - select the transaction

photo 2 - click the amount

photo 3 - click the link