With Apple Pay do you have any Buyer Protection against fraud like PayPal does so if a seller scams me I would get my money back ?
Using I Phone 13.
[Edited by Moderator]
iPhone 13, iOS 18
Apple Pay can’t offer fraud protection. Apple Pay is an encrypted data transmission service. It encrypts your financial and personal data and keeps it from being accessed and stored by the merchant. If the merchant is hacked, hackers can’t access your encrypted data.
Your bank (not Apple) approves or declines the merchant payment you attempt with your card. The bank assumes all risk for fraudulent transactions. Any fraud protection will be provided by your bank and/or Payment Network Operator (Visa, Mastercard, American Express etc.).
Apple Pay can’t offer fraud protection. Apple Pay is an encrypted data transmission service. It encrypts your financial and personal data and keeps it from being accessed and stored by the merchant. If the merchant is hacked, hackers can’t access your encrypted data.
Your bank (not Apple) approves or declines the merchant payment you attempt with your card. The bank assumes all risk for fraudulent transactions. Any fraud protection will be provided by your bank and/or Payment Network Operator (Visa, Mastercard, American Express etc.).
That depends on what card you use in Apple Pay. Many credit cards offer such protection. Some debit cards will offer reduced protection, say up to $50. Apple Cash has no consumer protection.
Does Apple Pay offer Buyer Protection against fraud like PayPal?
