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Apple Pay payment for something I didn't authorise

This morning I received a notification from my bank that a £200 transaction had been made to Adidas for subscription services. I did not make the transaction, so called my bank immediately. They advised that the payment had been made by Apple Pay on an iPad.


I was using my iPad at the time the notification occurred, and absolutely did not make the transaction.


My bank advised that I contact Apple as security had been breached. I spoke with someone at Apple, and the only devices with Apple Pay authorised are my iPhone and iPad. So could not have been hacked. I have changed my apple ID passwords just in case.


I went back to the bank, who advised me to contact Adidas, and give them the transaction reference number. Adidas have no record of the transaction, or a order on my debit card and advised me to file a police fraud report and get back to them once I have a reference number.


My bank have advised that while the transaction is pending, they cannot starter a fraud claim, but they are holding the funds.


I don't understand how this transaction has been authorised by Apple Pay?


Can anyone shed some light?


Many thanks in advance

iPad Air 3, iPadOS 16

Posted on Aug 18, 2023 8:01 AM

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Question marked as Top-ranking reply

Posted on Dec 9, 2023 7:09 PM

THIS LITERALLY JUST HAPPENED TO ME AND IDK HOW IT DID OR WHO DID IT SO IM SO FRUSTRATED

6 replies

Aug 18, 2023 9:01 AM in response to Katyr19

Apple Pay doesn’t authorize transactions, never has. Apple is not a bank. Your bank authorized the fraudulent charge, not Apple.


Apple Pay is an extremely secure method of securely transmitting data between the merchant and your bank. Apple authorizes nothing. Your bank receives encrypted data, unlocks and decrypts the data, creates a one time use token to authorize the transaction.


So, how was your account breached? Probably during a phishing attempt and you gave a fraudulent actor your 6 digit 2FA (Two Factor Authentication) security code. Your actual account data was probably compromised when the card was swiped or a chip read. This is called Skimming and Shimming.

Apple Pay payment for something I didn't authorise

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