Apple Pay refund not appearing in bank account

Please help me too. Temu refunded me by Apple Pay. I have all there info about refund. But when I ask to my bank they say that there is no payment in bank. Even single cents. Please check my account info on 2 April , please.

iPhone 16, iOS 26

Posted on Apr 18, 2026 8:24 AM

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Posted on Apr 18, 2026 9:45 AM

Apple is not a bank and does not receive or transfer funds during a payment or refund. When the merchant issues a refund, funds transfer from the merchant’s bank, through a payment network (Visa, MasterCard etc.) to the bank that issued the payment method you used. Apple and Apple Pay do not participate in refunds.


Contact the merchant and ask for the Acquirer Reference Number (ARN) and the give the number to your bank and they can assist with tracking the refund.

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Question marked as Top-ranking reply

Apr 18, 2026 9:45 AM in response to Nini052

Apple is not a bank and does not receive or transfer funds during a payment or refund. When the merchant issues a refund, funds transfer from the merchant’s bank, through a payment network (Visa, MasterCard etc.) to the bank that issued the payment method you used. Apple and Apple Pay do not participate in refunds.


Contact the merchant and ask for the Acquirer Reference Number (ARN) and the give the number to your bank and they can assist with tracking the refund.

Apr 20, 2026 3:54 AM in response to Nini052

As I stated, Apple is not a bank and does not receive or transfer funds during a refund. I also explained that Temu (merchant) sends funds to your bank (financial institution), not Apple.


Did you read what Temu wrote, “please contact your financial institution for assistance”? They even provided the ARN, as I referenced.


Your next step is to contact your bank and give them the ARN so they can trace the transfer of funds Temu sent them.

Apple Pay refund not appearing in bank account

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