How can I dispute Apple Pay incorrect charges issue?

So I went to a gas station one I always use, I pumped exactly 10 dollars in gas, I got a notification on my phone saying it took out 100 dollars. It does not say pending 100 dollars like it usually does on a hold it says “cleared” 100 dollars. There’s also not a transaction that’s separate from that that says 10 dollars just the 1 transaction that says cleared 100. What is going on here?




[Re-Titled by Moderator]

iPhone 15 Pro, iOS 18

Posted on Apr 18, 2025 10:04 PM

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Question marked as Top-ranking reply

Posted on Apr 19, 2025 4:29 AM

You’ll have to ask the merchant (gas station). Apple is not a bank and does not approve or decline transactions. Only the issuing bank can approve or decline transactions.


If the merchant doesn’t have a satisfactory solution, please contact the issuing bank and dispute the charges.


Apple only transmits encrypted data from your iPhone to merchant terminal. This protects your personal and financial information from the merchant and hackers.


If you need additional assistance please let us know.

1 reply
Question marked as Top-ranking reply

Apr 19, 2025 4:29 AM in response to Richie15pro

You’ll have to ask the merchant (gas station). Apple is not a bank and does not approve or decline transactions. Only the issuing bank can approve or decline transactions.


If the merchant doesn’t have a satisfactory solution, please contact the issuing bank and dispute the charges.


Apple only transmits encrypted data from your iPhone to merchant terminal. This protects your personal and financial information from the merchant and hackers.


If you need additional assistance please let us know.

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How can I dispute Apple Pay incorrect charges issue?

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