Apple Pay Refund

Hello triciafromdenver, I don't know much about Apple Pay refunds but this document may shine light:

Send, receive, and request money with Apple Pay - Apple Support

https://support.apple.com/HT207875

--> How to cancel or dispute a payment

- It can take 1-3 business days for the money to be refunded, depending on your bank or card issuer.

If your refund is approved, the funds are applied to the same payment method that you used to buy the item. Here's how long it takes for a refund to appear on your account or statement:

Store credit—It might take up to 48 hours to see the refund in your Apple ID balance.  

Mobile phone billing—It might take up to 60 days for the statement to show the refund. Processing time might be affected by your carrier. You can contact your carrier for an update.

All other payment methods—It might take up to 30 days for the statement to show the refund. If you don't see the refund after 30 days, contact your financial institution.

Please note that my information does not contradict the advice Limnos has provided. Each are for a different situation.