How to Get Your Money Back from Apple Pay If Scammed

Generated with sparks and insights from 14 sources

Introduction

Identify the type of transaction: Determine if the payment was made using Apple Cash, a debit card, or a credit card.
Cancel the payment: If the scammer hasn't accepted the payment yet, you can cancel it by opening the Messages app, selecting the payment, and tapping 'Cancel Payment'.
Report the transaction: If the payment has been accepted, report the transaction by going to the Wallet app, selecting the card used, and tapping 'Report an Issue'.
Contact your bank: For payments made with a debit or credit card, contact your bank to dispute the transaction and request a chargeback.
Report to Apple: Use the Apple Support link to report the scam and seek further assistance.
Update security settings: Change your Apple ID password and enable two-factor authentication to protect your account from future scams.

Apple Cash: Peer-to-peer payments using Apple Cash do not have buyer protection.
Debit Card: Payments made with a debit card may have some protections; contact your bank for details.
Credit Card: Credit card payments often have better fraud protection and can be disputed more easily.

Open Messages: Find the conversation with the scammer.
Select Payment: Tap on the payment in the conversation.
Cancel Payment: In the Wallet app, tap 'Latest Transaction' and select 'Cancel Payment'.
Note: If 'Cancel Payment' is not available, the payment has already been accepted.

Open Wallet App: On your iPhone, open the Wallet app.
Select Card: Tap the card used for the transaction.
Report an Issue: Under 'Latest Transactions', tap the transaction and then 'Report an Issue'.
Choose Issue: Select 'Incorrect Merchant Info' or another relevant issue.

Dispute Transaction: Contact your bank's fraud department to dispute the transaction.
Provide Details: Give them all relevant details about the scam and the transaction.
Request Chargeback: Ask for a chargeback if the payment was made with a credit card.
Follow Procedures: Follow your bank's specific procedures for handling fraud.

Use Apple Support: Go to the Apple Support website to report the scam.
Provide Information: Give detailed information about the scam and the transaction.
Follow Up: Follow any additional instructions provided by Apple Support.
Check Status: Regularly check the status of your report for updates.