You can dispute an Apple Pay charge in the Wallet app on your iPhone or by contacting customer service. The process for doing so is straightforward, but it doesn’t guarantee you’ll receive a refund related to the disputed transaction.
This post will show you how to dispute an Apple Pay charge. I’ll walk you through all the steps to making this happen and provide you with other important information. The goal is to help you remedy any fraudulent or unauthorized transactions.
Let’s jump in.
Key Takeaways
- The easiest way to dispute an Apple Pay charge is through the Wallet app on your iPhone.
- You can also dispute a charge by contacting Apple customer service but be sure to have a record of the transaction and your Apple ID.
- Disputing a charge can possibly help you get a refund for an unauthorized or unknown transaction, but there are no guarantees this will happen.
- If the card associated with your Apple Pay account is not an Apple Card, you’ll probably need to file a dispute with your bank as well.
How to Dispute an Apple Pay Charge
If you use Apple Pay for digital payments, whether at a physical store or sending money to someone else, you might need to send a dispute at some point. This can occur when you see an unauthorized charge or fall victim to fraud.
Remember that it’s essential to act quickly whenever you think your Apple Pay account might be compromised. The faster you file a dispute or take other action, the more likely you’ll be able to fix the issue.
It’s also important to know that you won’t automatically get a refund or your money back just because you file a dispute. Apple or your bank will look at the circumstances of the dispute and reach a unique resolution for every situation.
Now that we’ve covered some basics related to Apple Pay disputes, here are the steps to dispute an Apple Pay charge. There are a few ways to go about this, so I’ll explain each in the sections below.
How to Dispute an Apple Pay Charge with the Wallet App
Disputing an Apple Pay charge with the Wallet app on your iPhone is the easiest way to make it happen. You can dispute a transaction and resolve things quickly with a few clicks.
Note that you can only file a dispute through the Wallet app if you use the Apple Card as the payment option for your Apple Pay account. I’ll review the steps to file a dispute if you have a different debit or credit card associated with the account in the sections below.
Follow these steps to dispute an Apple Pay charge on your iPhone:
- Open the Wallet app on your iPhone.
- Tap your Apple Card.
- Find the transaction you want to dispute. You might need to scroll through all of your recent transactions to find the right one.
- Tap the transaction you want to dispute.
- Some options will pop up, and choose the type of issue you want to dispute.
- Tap Done.
How to Dispute an Apple Pay Charge with Customer Support
If you didn’t have luck disputing the charge through the Wallet app or just want to speak directly with a human rather than your iPhone, you should reach out the Apple Customer Support directly.
A Customer Support representative should be able to walk you through all the steps to file a dispute quickly. You will need to provide them with some basic information, like the details of the transaction and your Apple ID.
Contacting Customer Support doesn’t change the dispute process or the chances of getting a refund if you fall victim to fraud. But some people prefer speaking directly to a support person rather than taking other steps.
How to Dispute an Apple Pay Charge with your Bank
If you don’t have an Apple Card and still use Apple Pay, you have a different debit or credit card set up with your Apple Pay account. You need to contact the issuing bank of this card directly to file a dispute in this case.
The dispute filing process can vary from bank to bank, so I can’t provide detailed steps for every option here. Most of the time, you just need to reach out to a customer representative from your bank to start the process.
And just like with Apple Pay, filing a dispute with your bank does not guarantee you’ll get a refund or resolve the issue. But this is your best option if you have an Apple Pay account but don’t use the Apple Card.
Many debit and credit cards offer fraud prevention services. These can help you notice a suspicious charge quickly, leading to fewer losses and a better likelihood that the issue will be resolved.
FAQs
Here are a few short answers to some of the most frequently asked questions related to how to dispute an Apple Pay charge.
Can an Apple Pay charge be disputed?
An Apple Pay charge can be disputed using the Wallet app on your iPhone. There are no guarantees that a dispute will lead to a resolution or refund, and you might need to dispute a charge with your bank if you don’t use the Apple Card.
How do I get money back from Apple Pay?
If you are trying to get a refund for an unauthorized or unknown Apple Pay charge, you need to file a dispute with Apple or your bank to make this happen. This doesn’t automatically result in getting your money back, but it’s the proper course of action.
Can my bank dispute Apple Pay?
If you have a credit or debit card associated with your Apple Pay account that is not the Apple Card, you’ll need to file a dispute with your bank. This is needed if you encounter fraud or unauthorized charges on your Apple Pay account.
How long does an Apple Pay dispute take?
An Apple Pay dispute can take anywhere from a few hours to a few months, depending on the transaction and circumstances. The typical time for a refund to be issued is 1 to 3 days, but not every dispute results in getting money back.
Final Thoughts
Disputing an Apple Pay charge is easy, especially if you have an Apple Card. You can go to your Wallet app on your iPhone and file a dispute in a matter of seconds. You can also contact Apple Customer support to file a dispute.
If you don’t have an Apple Card but still use Apple Pay, you’ll need to file a dispute directly with your bank. This process can be different for every bank, so reach out to your bank’s customer service to get started.
Have you ever disputed an Apple Pay charge? What happened? Let me know in the comments below.
Shynethia bacon
$45 and $50 was sent to somebody and I didn’t send it
Jerry Romero
Hey Shynethia,
You should go ahead and file a dispute with Apple or your bank following the steps listed here if you didn’t authorize the transaction. It’s important to act quickly, just in case someone has access to your accounts and is trying to make more payments. You can usually put a pause or halt on the card associated with your account as a temporary fix.