Refund
If I pay with Apple Pay and I don’t receive merchandice from seller can I get refund
iPhone XS Max, iOS 13
Not if you used Apple Cash - Apple Cash cannot be refunded if you have been the victim of a scam. There is no buyer protection for Apple Cash. You must report it to the police and report it here - Get Support. If the scam happened on social media (Facebook/Instagram, etc.) you need to let them know as well.
If you used regular Apple Pay yes.
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