Apple Pay is the contactless payment technology you may use at various merchants, while Apple Cash enables you to send and receive money via the Messages app. If you believe you were scammed, this likely happened through Apple Cash, as Apple Pay is only accepted at verified merchants. Unfortunately, Apple Cash does not include any buyer protection. Apple is not responsible for any fraudulent payments sent through Apple Cash. You can create a virtual Visa card for your Apple Cash to use at online and in-person merchants. This card works via Apple Pay, so you may be eligible for a refund if you see an unauthorized charge there.
Most payments are accepted automatically, unless the recipient has “Manually Accept Payment” activated in their settings. [2] X Research source
Because Apple Cash works through Messages, you may consider reporting the scammer’s phone number to local authorities, although the number may not actually belong to them.
Neither Apple Pay nor Apple Cash offer buyer protection, so Apple is not responsible for any scams pulled off through such services. You may still see an unauthorized transaction, and want to be reimbursed. While this is not technically a scam, it can still be a frustrating experience, and may entitle you to compensation.
Because cards in Apple Pay are simply virtual copies of cards from your bank or credit card provider, you may search for the transaction through those channels as well.
When prompted, select “Incorrect Merchant Info. " Then, select “Merchant Name, Merchant Category, or Other Issue. "
When prompted, select “Incorrect Merchant Info. " Then, select “Merchant Name, Merchant Category, or Other Issue. "
You may also consider contacting whomever issued the charge if it is a company you recognize. A bank or credit card provider is not responsible for any money you freely sent to another person, even if that person is a scammer. A bank or credit card provider may compensate you for any unauthorized charges on your account, however.
Is the transaction from Apple Services or another merchant? If it is not from Apple Services, simply call Mastercard, who issues the card, to discuss your transaction.
Apple Cards can be registered under a “Family Sharing Group. " Before proceeding, check with everyone in your group and ensure the transaction did not come from them. To dispute a transaction that you do not recognize, select “Unknown Transaction. “[4] X Research source
Keep in mind Apple does not guarantee a refund for any unrecognized charges.
Likewise, if you ever lose your phone in public, you can use the Find my iPhone app to place your phone into Lost Mode, preventing anyone from using Apple Pay if they were to find it.
If you receive a phishing email related to Apple Pay, forward it to reportphishing@apple. com. If you are unsure whether or not an email is a phishing scam, check the email address. It will quickly become obvious whether or not the email is actually from an official party.
If you believe the person contacting you is a scammer impersonating someone in your life, try asking a personal or specific question that only the two of you would know the answer to. Although you may need to send money to strangers for various reasons, try to limit your Apple Cash transactions to only those you know and trust.
If you believe the person contacting you is a scammer impersonating someone in your life, try asking a personal or specific question that only the two of you would know the answer to. Although you may need to send money to strangers for various reasons, try to limit your Apple Cash transactions to only those you know and trust.
Never give out information like your 2FA codes or passwords to strangers. No legitimate customer support agent would ever ask for this information.
Selling on these marketplaces can also be dangerous. Be on the lookout for overpayment scams, in which a buyer will use a stolen check to “accidentally” overpay for an item you have for sale, then request the surplus money back. In the end, you will lose both the original amount and the amount you returned.
