How do I get $ back from person declining Apple Pay?
Sent money to someone I know, but they are saying that they don't know how to access funds. How can I get my money back?
Apple Watch SE, watchOS 11
It’ll automatically be returned in 7 to 10 days if you do nothing.
If you sent a payment to someone and want to cancel it
In your Apple Cash transaction history, person-to-person payments appear with a name, phone number, or email address. If the transaction status says pending, the receiver hasn't accepted your payment yet, and you can cancel it.
Apple Cash person-to-person payments are like any other private transaction between two people, so only send and receive money with people you know.
Send and receive money with Apple Cash - Apple Support
