Unrecognised transaction made with an apple pay token created with my bank details

Question

Unrecognised transaction made with an apple pay token created with my bank details

An Apple pay token - o Apple pay - was created using my bank details - and with that, there were a series of transaction made towards companies.

I don't have any apple pay wallet/ I have had an account with apple which has been inactive for the last 5 years ago/ .

So my banks beleives that I have created the token from one of my device and i m not entiteld to get cany refund.

The bank have closed my account/ I have also reported this to the police but they don't see how can they help me.

I have also contacted the company to which the transaction were made : Netflix, Virgin Games, et al ...without any help

Anyone has had the same experience ?

Posted on Mar 14, 2026 5:40 AM

Reply

Answer 1

Mar 14, 2026 2:05 PM in response to giuseppe pino

The bank creates and issues the Apple Pay token. The token is encrypted by the bank or in many cases the Payment Network Operator (Visa, Mastercard, American Express etc.) who at this point is a Token Service Provider or TSP.

The TSP sends the token to Apple servers which then add it to the Secure Element inside your iPhone. If a scammer obtains your personal and financial information they will attempt to add your card details to their iPhone for use with Apple Pay.

Apple is not a bank and does not verify and authenticate the personal and financial details. Only the bank that issued the card can verify and authenticate the information. The bank verified the card information, your information and the device via 2FA. Again Apple cannot verify the information, your bank did.

Please contact the fraud department at the bank that issued the card.

Reply