if i buy a puppy online and make and make a payment with apple pay and i don’t receive my dog is there a way to get my money back?

Not if you used Apple Cash. See the following from Send and receive money with Apple Cash - Apple Support

Apple Pay person to person payments are just like any other private transaction between two people, so only send and receive money with people you know. If you have questions or concerns about a transaction, please contact us.

If you used Apple Pay to pay with a credit or debit card instead of Apple Cash, contact the card issuer.