How to Get Money Back from Apple Pay if Scammed?


By Jack Lin

Update on

I Got Scammed on Apple Pay
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Have you faced any scams on Apple pay recently and are worrying about how to get money back from Apple Pay if scammed?

If yes, then read this article, as we have provided many helpful tips to deal with this situation.

As the new age of technology is approaching, cybercrimes are getting more and more common. Usually financial frauds often target people who have less knowledge of technology.

This is due to the money transfer being an easy process nowadays. Such fraud is the only downside to the advancements in payment methods. If you are also looking for a solution to such scams on Apple Pay, this article is for you.

Will Apple Pay Refund Money If I’m Scammed?

In many cases, the other party is the one who is at fault. By falling prey to their tricks, you confirm the transaction. In such situations, Apple pay cannot be held responsible according to its policy.

There is no such thing as Buyer Protection provided by Apple Pay in these cases. However, you can resolve the issue by filing a complaint against the fraud.

Besides, in this detailed guide, let’s figure out why Apple Pay says pending and how long Apple Pay stay pending, as well as how to accept it.

Is It Possible to File a Dispute with Apple Pay?

If the other party does not provide you with promised services, you can certainly file a dispute. If you suspect a scam, follow the steps given below:

  1. Tap on the Messages icon, choose the conversation, and then navigate to the Payment option.
  2. As this leads to the Apple Pay app, open Cash Cards. This will display the latest transactions.
  3. In the menu, you can see the option to cancel the payment. Tap on that option.
Is It Possible to File a Dispute with Apple Pay

In case you just initiated the transaction and it is still under processing, it will be easier to cancel it.

However, if the transaction is old and fully processed, it may take up to 3 working days for a refund. The amount will be credited to your account.

Also, let’s learn the most common KIK scams you may come across regularly, the easiest way to spot them, and what you should do after spotting a Kik Scammer.

Apple Pay Safety For Sellers

Apple Pay Safety For Sellers

Apple Pay focuses on the privacy and protection of users. It is nearly impossible for your personal information to be leaked. No details of your cards are exposed to other parties.

Thus Apple Pay takes great measures to avoid scams. Your biometric ID is required to initiate any transaction. Thus getting scammed is very unlikely on Apple Pay.

How to Get Money Back from Apple Pay If Scammed?

If you are scammed on Apple Pay, it’s not usually Apple’s fault. Apple Pay takes measures such as biometric verification before any transactions are initiated. However, you can file a complaint against a third party for a refund.

Apple Pay’s policy allows you to report such scammers. To file a complaint report, you can go through the steps given below:

  1. Launch Apple Pay on your iOS device. Navigate to the card through which you made the transaction.
  2. Select the transaction that you want to report from the latest transactions.
  3. Select “Report an Issue.”
  4. After that, tap on “Incorrect Merchant Info.” You have to select “Merchant Name, Merchant Category, or Other Issue.”
How to Get Money Back from Apple Pay If Scammed?

By doing so, you can enter the correct information about the merchant. This will prevent others from getting scammed.

I Got Scammed on Apple Pay Via Email

It is very easy for scammers to get personal info and money from users. Their primary targets are Apple Pay users. They also carry out such scams using Email; here’s what you should look out for:

  • Emails that contact you using names of big companies and brands asking you for personal information.
  • Emails with a bait of Big Rewards and Promotional offers.

You should always look out for such emails. Make sure you verify their authenticity before taking any actions. Such emails are part of the scams trying to gain your personal information and money.

If any such Email comes from Apple, you should not interact with it since Apple representatives do not send any such email asking for personal information. Instead, you can forward the emails using Apple’s name to

Avoiding Scams on Apple Pay

Avoiding Scams on Apple Pay

If you are familiar with the idea of fraud, then you might know that you certainly can avoid them. Scams on mobile payment methods can easily be prevented with simple precautions.

Here are some tips that you can keep in mind to avoid:

  • Confirm the transactions with only people that you completely trust. It may be your friends, family, clients, or government entities. Authenticate whether the request is official or not before accepting the payment request. You can do it by either asking the opposite party in person or over-call. If unsure about the authenticity of the request, then don’t accept it.
  • If someone you don’t know or a non-official request is sent to you, then you can just report it as junk. You can also use the block feature to avoid such scam requests again and again.
  • When the payment is requested through messages by the companies, you have to be more cautious.
  • Make sure the party that has requested money is not the wrong one. Review payment information very carefully before sending money.
  • You can easily find out the identity of the opposite party. This way, you will know who is sending you money by choosing to receive the payment manually.
  • You need to confirm the payment details in transactions before sending or receiving any payment on Apple Pay.
  • It is important to keep your Apple ID and password to yourself. You can learn more about the privacy of your Apple ID on the official site.

FDIC Protection to Apple Pay

FDIC protection is provided to an Apple Pay user. However, this insurance is only for the people whose account is compromised.

It may either be down by getting hacked or any other causes. In such case, you are covered $250,000 by the insurance of FDIC.

But in case of fraud and scams, there isn’t any help from FDIC according to its policy.


If you were complaining, “I got scammed on Apple Pay,” then this article must have been helpful for you. I’m sure that we were able to inform you of the various ways in which you can resolve the scam issues.

If you found this article helpful, then make sure to share this article. This will help to prevent such scams with your loved ones.


Below we’ve mentioned a few of the most commonly asked questions regarding Apple pay:

Does Apple Pay Refund Money if Scammed?

It is possible to get a refund by returning the items purchased or by canceling the order. This only works if you have a receipt on Apple Pay.

Otherwise, you will have to provide more information. Your refunded amount will be moved to your account via the same card used for the transaction.

What’s the Importance of a Device Account Number?

While researching the answer to “How to get money back from Apple pay if scammed?” We found out the importance of the Device Account Number.

If you are looking for a refund for your purchase, the merchant may ask for the Device Account Number of your Payment Card.

This number is assigned instead of your credit or debit card number for privacy. This number is highly important for refunds. However, some merchants don’t ask for this number while initiating refunds.

Where to Find Your Device Account Number on Your iPhone?

You can find your Device Account Number by following these simple steps:

  1. Launch Apple Wallet on your iPhone.
  2. Select the Card that was used for the transaction.
  3. Click on the More button.

The last four digits of your Device Account Number will be displayed here.

Where to Find Your Device Account Number on Apple Watch?

The steps to find your Device Account Number on your Apple Watch are very similar to the iPhone. The steps are as follows:

  1. Launch the Wallet app on your Apple Watch.
  2. Select the Card with which you made the transaction.
  3. Scroll down and select the “Card Information” option.

Here the last four digits of your Device Account Number for your payment card will be displayed.

How to Get Money Back from Apple Pay if Scammed on a Payment Card?

While requesting a refund, if the merchant states the requirement of the Device Account Number for your payment card, then provide it to them.

In the same notion, if the merchant asks for card information, you need to give it to the merchant.

After launching the wallet app, select the card that was used for the transaction. Then double-click the side button. After that, you need to verify your ID by biometric identification.

To initiate the transfer, hold your device over the contactless card reader. This will start the refund, which will take several days to complete. After the process, your refund will be deposited into your account.


10 years of experience in information and computer technology. Passionate about electronic devices, smartphones, computers, and modern technology.