Apple Wallet token renewal for fraudulent Apple Pay charges

Hello,

I’ve spoken with multiple customer service representatives, but no one has been able to resolve my issue. I’m repeatedly being charged through Apple Pay on my Visa card due to a fraudulent pre-authorized payment. I’ve already changed my physical Visa card number, yet the charges continue because Apple Pay is still using the old token (Device Account Number) linked to my previous card.

I understand that Apple Pay works by assigning a Device Account Number (token) to each card added to the Wallet, and this token remains active even if the physical card number changes. This isn’t purely a bank issue—it’s about resetting or regenerating the token stored in Apple Wallet.

If you’re unable to assist, please escalate this issue to an IT specialist or an Apple Pay engineer who understands how the tokenization system works and can address this properly

[Re-Titled by Moderator]

iPhone 15, iOS 18

Posted on Dec 30, 2024 5:52 PM

Top-ranking reply

Chattanoogan

Level 7

32,168 points

Posted on Dec 30, 2024 6:08 PM

While you are correct that this isn’t entirely a bank issue …

… BUT your bank IS your conduit for resolution.

Apple is only “involved” during the initial provisioning of the card into your wallet.

After that, all transaction processing is made by the various entities within the payments processing network. (This is probably well beyond the understanding of of 1st line CSRs at any bank)

I DO feel your pain (been there) but this MUST be elevated — and resolved — by your bank’s credit card / ApplePay support team.

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16 replies

Dec 31, 2024 8:02 AM in response to Jeff Donald

Concur … Your’s is the 3rd instance of that same recommendation being proffered to the OP in this thread.

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Apple Wallet token renewal for fraudulent Apple Pay charges