Fraud transaction has been detected from my Apple Pay

Do you know for sure the charge come through via Apple Pay? or does

your bank account just show a charge from apple.com/bill? If that is the case then it could be numerous possibilities from family share, free trials, other people using payment method for their Apple ID, Etc.

If you see 'apple.com/bill' on your billing statement - https://support.apple.com/en-us/HT201382

Hello ~ Take a look here as it has everything in one place:

Subscriptions and Billing - Official Apple Support

~Katana-San~