How to get money back on Apple Pay if sent to a wrong person?

How to Recover Mistaken Apple Pay Transactions

Apple Pay, the convenient mobile payment service, offers quick and easy transactions. However, occasional mistakes can occur, leading to payments being sent to the wrong recipients. If you find yourself in this unfortunate situation, here’s a step-by-step guide on how to get your money back:

1. Contact the Recipient Directly

The first and most straightforward step is to attempt direct contact with the recipient. Try sending a message or making a phone call, politely explaining the situation and requesting a refund. If the recipient is cooperative, they may promptly return the funds.

2. Report to Your Bank Immediately

If contacting the recipient directly proves unsuccessful, report the mistaken transaction to your issuing bank without delay. This is crucial because it initiates a chargeback, which is a request for the sender’s bank to reverse the payment. Your bank will need details of the transaction, including the amount transferred, date, and recipient’s name (if known).

3. Act Swiftly

Time is of the essence when reporting a mistaken Apple Pay transaction. The sooner you file a chargeback, the higher your chances of recovering your funds. Most banks have strict deadlines for filing chargebacks, typically ranging from 60 to 120 days after the transaction date.

4. Provide Evidence

To support your claim, gather any evidence you have, such as a screenshot of the mistaken transaction or communication with the recipient. This will strengthen your case and increase the likelihood of a successful chargeback.

5. Follow Up Regularly

Once you have initiated a chargeback, stay in contact with your bank to track its progress. Provide any additional information they may request and follow up regularly to ensure the process is moving forward.

Remember:

• Apple Pay does not offer its own mechanism for reversing mistaken transactions.
• Chargebacks are not guaranteed, and the outcome may vary depending on the issuer and recipient banks’ policies.
• If you suspect fraud or unauthorized access to your Apple Pay account, contact Apple Support immediately.

By following these steps and acting promptly, you can increase your chances of recovering your funds from a mistaken Apple Pay transaction.