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

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iPhone 15, iOS 18

Posted on Dec 30, 2024 5:52 PM

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Posted on Dec 30, 2024 6:20 PM

This is not an issue with the DPAN (Device Personal Account Number), it is the result of the VAU (VISA Account Updater). When the card is added to the Wallet the DPAN token is created by the bank and stored in your devices Secure Enclave. Each card will have a different number.

https://www.meawallet.com/en/news/how-apple-pay-tokenisation-works

It is the VAU that is causing the recurring charges after you change your Account number. After you have sent the merchant the token provided by your bank, Apple Pay is no longer involved. The recurring charges are occurring directly from the merchant to your bank. The VAU is a "feature" that VISA uses to notify participating merchants of the change in your account number, so there is no interruption in the recurring charge. This is purely a bank issue and only they can resolve it. More information about this service is available here.

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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