how do i get refunds that was used from apple pay

Apple Pay is a way to use credit and debit cards from your phone or Apple watch, and thus is just a passthrough from the card issuer. If you want a refund you would have to contact the issuer of the card that was used for the charge.

If you are asking about Apple Cash, as the name implies, it is the same as cash. If you give a $20 bill to someone and change your mind you can only get it back from the person you gave it to. No one else will refund it. Likewise, when you send someone money using Apple Cash no one other than the person you sent it to can refund it. That’s why you are told to only use Apple Cash to send a payment to someone you know.