Does Apple Pay Refund Money if Scammed?

If you get scammed using Apple Pay, you might not be able to get a refund if you authorized the transaction through the payment app. You can dispute the payment with Apple or your bank, but there are no guarantees you’ll get your money back. 

This post will examine if Apple Pay refunds money if you get scammed. I’ll explain everything you need to know about Apple Pay refunds and disputes and give you some tips to help prevent getting scammed while using the app. 

Let’s get rolling. 

Key Takeaways

  • Apple Pay does not necessarily refund money if you get scammed, especially if you authorized the transaction. 
  • You can dispute a charge or payment with Apple if you get scammed, but that doesn’t guarantee you’ll get a refund. 
  • If you have a credit or debit card linked to your Apple Pay account, you’ll need to dispute a fraudulent charge with your bank. 
  • Never make an Apple Pay payment to persons, places, or websites you don’t trust. 

Does Apple Pay Refund Money if Scammed? 

Nobody wants to get scammed, but unfortunately, it happens daily worldwide. Scammers are persistent and will do anything to swindle and steal from unassuming or unaware people. It’s a harsh reality of modern life. 

And you can easily get scammed when using Apple Pay. You can get tricked into making a payment to a fake website, fall for a check cashing scam, or encounter scams that might not even be known yet. 

The big question that everyone asks when they get scammed through Apple Pay is if they can get the money they lost refunded. Sometimes it’s possible to get your money back, but often there is not much you can do. 

It kind of depends on what type of scam or fraud you are dealing with. If you fall for a scam that involves you paying someone directly through Apple Pay and you approve the transaction, you probably won’t be able to get a refund. 

But if you get scammed through a website or someone somehow gains access to your Apple Pay account, you might be able to get a refund. Each situation is different, so there isn’t one clear answer here. 

The best thing you can do is try to request a refund by filing a dispute with Apple or your bank if you get scammed. This is similar to what happens when your credit card number gets stolen and you tell your bank about it. 

The issue is then in the hands of either Apple or your bank, and they will decide whether a refund is possible or not. Just because you file a dispute does not mean you will get a refund. 

How to Reverse Apple Pay Transaction 

If you got scammed directly through Apple Pay, you might be able to reverse the transaction before it goes through to the other party. This is a good first step to look into if you think you got scammed. 

Open up your messaging app on your iPhone and locate the person (scammer) you just sent money to. Tap on the payment to see its details. Tap Cancel Payment if you see that option. 

If you don’t see the Cancel Payment option, that means the person has accepted the transaction and there isn’t anything you can do now to reverse it. But you can still file a dispute with Apple. 

Dispute Apple Pay Transaction

The most likely course of action you’ll want to take if you get scammed using Apple Pay is to open a dispute directly with Apple. This lets them know that the payment you made was somehow a scam, and you might be able to get some assistance. 

To do this, you need to open the Wallet app on your iPhone. This is where all of the transaction and payment information is located. Look through the wallet until you find the transaction that is a scam. 

Now tap on that transaction and choose Report an Issue. You’ll be prompted to explain why the transaction is an issue and will be connected with a chat specialist to try and fix the problem.

This doesn’t always lead to a resolution or refund, but it’s likely your best course of action when you get scammed using Apple Pay. And if your Apple Card is used by scammers or for other fraud, this is the best approach as well. 

If you use a different credit card from a bank with your Apple Pay account, you’ll likely need to dispute the charge directly with the bank. That process can vary from bank to bank, so call customer service to see what they can do for you.  


Here are a few quick answers to some of the most commonly asked questions related to if Apple Pay refunds money if scammed. 

Can you dispute an Apple Pay payment? 

It is possible to dispute an Apple Pay payment, and you might want to do this if you get scammed. Opening a dispute does not guarantee you’ll get your money back, but it’s your best chance if you made an unauthorized payment somehow. 

How long does an Apple Pay refund take? 

Requesting a refund from Apple Pay can take anywhere from a few hours to a few months. It depends on the retailer you made the purchase with. Or if you filed a dispute due to a scam, it can take as long as 60 days. 

Can my bank dispute an Apple Pay transaction? 

If you have an Apple Pay account set up with your bank, then the charges made from the app will come from a debit or credit card associated with that bank. This means that you need to make any disputes with the bank and not with Apple. 

Can you get scammed on Apple Pay? 

Just like with any other type of payment app or credit card, you can get scammed on Apple Pay. One common scam involves people giving you a fake check and telling you to pay them through Apple Pay. You can’t always get your money back if this happens. 

Final Thoughts

Apple Pay doesn’t always refund money if you get scammed while using the app. It depends on the situation and circumstances of the scam. You can try to reverse an Apple Pay payment if you suspect a scam, but you might not be able to if the payment has been accepted. 

Filing a dispute with Apple or your Bank is the best action when you fall victim to a scam using Apple Pay. This won’t always result in a refund, but it’s the best chance you have of getting things figured out. 

Have you ever been scammed when using Apple Pay? What was the scam, and did you get it resolved? Let me know in the comments below. 

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