Apple Pay says “fraud suspected”

Hello alainamarie2002,

Thank you for using Apple Support Communities.

We understand that you are getting a "fraud suspected" alert when you try to send money to a friend. This is simply an alert that something about the transaction is raising a flag in the system. It is alerting you to take a look at the transaction before you approve it. You can take a look at the following support article for more information to avoid scams when using Apple Pay.

How to avoid scams when using Apple Pay to send and receive money - Apple Support

Best regards.

Once I try to send after the notice comes up it will not work despite saying send anyway. This is on my new phone. With my old phone however it lets me send it but through my email and not phone number. Is there a solution? As to why my new phone (12) will not let me