Someone is using my Apple pay

To remove your cards from Apple Pay, do any of the following:

• On a Mac or PC: Sign in to your Apple ID account. In the Devices section, click the lost iPhone. Below the list of cards, click Remove all.
• On another iPhone, iPad, or iPod touch: Go to Settings  > [your name], tap the lost iPhone, then tap Remove All Cards (below Apple Pay).
• Call the issuers of your cards.

If you remove cards, you can add them again later.

Note: If you sign out of iCloud in Settings > [your name], all your credit and debit cards for Apple Pay are removed from iPhone. You can add the cards again the next time you sign in with your Apple ID.

Retrieved from Manage Apple Pay cards and activity on iPhone - Apple Support

Apple Pay cards are stored on device, not on your iCloud.

Even if someone was able to access your iCloud account it would be impossible for them to gain access to your Apple Pay cards. See Apple Pay security and privacy overview – Apple Support for information about Apple Pay securtity.

If you believe, for whatever reason your Apple ID or iCloud account has been compromised, there are some steps over at If you think your Apple ID has been compromised – Apple Support which may be of some help to you.

Best of luck!

Not possible unless they have physical possession of your device.

Why don't you try explaining what's actually happening.

absolutely thry can if they are logged into uour icloud its quite simple. i just want to see how to get a printout texted to me dince im locked out of my email. i imagine thats why?