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Using Apple Pay is more convenient than using Venmo. But suppose a vendor mistakenly entered the wrong charge amount (e.g. $400 instead of $40). How would a buyer deal with that kind of mistake? The buyer does not see the amount the vendor has entered at the time of the sale.
iPhone SE, iOS 15
The process is the same no matter if you used Apple Pay or a physical card. First you contact the merchant for a refund and if that has not resolved the problem, then you contact the issuing bank of the card that was used to dispute the charge.
Recovering from incorrect Apple Pay amount charged
