Dispute fraud

How you dispute a payment made with Apple Pay depends upon the means of transaction.

For payments made with Apple Pay Cash with Messages, see the section about "How to cancel or dispute a payment" [made with Apple Pay Cash]" by clicking on the link for this document: Send, receive, and request money with Apple Pay - https://support.apple.com/HT207875

"How to cancel or dispute a payment [made with Apple Pay Cash]

1. Open the Messages app, then open the conversation and tap the payment.

2. Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.

3. Tap Cancel Payment."

Notes:

- If you don't see Cancel Payment, the person has already accepted the payment. Try asking the recipient to send the money back to you instead.

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

- Apple Pay person to person payments are just like any other private transaction between two people. If you're unable to cancel or receive your money back from the recipient, you can contact [Apple] to open a dispute [ https://getsupport.apple.com/?caller=kbase&PGF=PGF90000&category_id=SC0287&symptom_id=23288 ].

For payments made with Apple Pay see the section about "Report a transaction with the wrong merchant name or location" by clicking on the link for this document: How to use Apple Pay - https://support.apple.com/HT201239#history

"Report a transaction with the wrong merchant name or location

1. On your iPhone, open the Wallet app and tap the card that you made the transaction with.

2. Under Latest Transactions, tap the transaction that you want to report.

3. Tap Report an Issue.

4. Under Issue, tap Incorrect Merchant Info, then tap Merchant Name, Merchant Category, or Other Issue."

If this isn't really an Apple Pay issue, read the next sections:

The support article "If you see 'apple.com/bill' on your billing statement" explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by family members if you are an organizer of a Family Sharing group, or possibly a second Apple ID you use. The article also provides a specific link for contacting Apple if you cannot trace the source of charges. Click on this link to read this article ➞ https://support.apple.com/HT201382

Other possibilities to consider (not all may apply in your situation):

- Purchases can be made with your ID if your Apple ID is compromised (what to do ➞ https://support.apple.com/HT204145 ) or somebody else has access to your device (require purchase password ➞ https://support.apple.com/HT204030 ).

- If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts ( https://support.apple.com/HT204759 ).

- If you are absolutely certain neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution.

- Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ https://support.apple.com/HT201292 ).

If a purchase is listed in your purchase history and you want to ask for a refund, read this document about how to 'Request a refund for apps or content that you bought from Apple' ➞ https://support.apple.com/HT204084

or click on this link to proceed directly to 'Report a Problem' for requesting a refund ➞ https://reportaproblem.apple.com/?s=6

Apple's terms of purchase for most countries are effectively, "All Transactions are final" (check terms at: https://www.apple.com/legal/internet-services/itunes/us/terms.html ). Apple does refund on a case by case basis, but they can also refuse.

If a reporting a problem request is unsuccessful you can also try clicking here ➞ https://support.apple.com/choose-country-region/media-services Select your country, then a product.