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
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.
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.
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.
Sorry but I am not asking you that is it bank or not. I want my money back as the Temu refunded my money by your Apple Pay and I want it back. And this photo is one The Temu sent me. So can you just check and send my money back to my bank account on my card please . Thank you.
Apple Pay refund not appearing in bank account
