No refund from fraud

Apple Pay is not a bank, it simply processes a transaction between one of your payment methods and another party. You will need to contact the bank of the payment method that you used to dispute the charge.

Apple is not a bank. If your payment method (credit or debit card) was used fraudulently that is the responsibility of the bank that issued and services the account. The issuer approved the fraudulent charges, not Apple.

All Apple Pay does is transfer your encrypted personal, financial and transaction information between merchant and bank for approval and back to merchant. This keeps your information secure from the merchant (no information if merchant is hacked) and from Apple. The information is encrypted and Apple does not have the key to decrypt it.

This is my current dilemma.