Apple Pay

it is a common scam to say they did not receive it. If they are telling the truth then they need to sign out of their Apple ID and back in.

• 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 - contact us to open a dispute
• If the scam happened on social media (Facebook/Instagram, etc.) you need to let them know as well.

If you use a card other than Apple Cash then you should be able to get a refund

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

what do you mean by wrong card? Can you provide more details?

I would contact the bank after going through any of these steps that apply.