You’ve sent Apple Pay to wrong person, and you’re wondering what to do. Keep reading!
If you think canceling the payment before it has been accepted is the only way to deposit the funds back into your account, you’ve got it all wrong.
There is more than one alternative to forward the money back into your account when addressed improperly, and you’ve sent them to the wrong person.
If you’ve sent Apple Pay to the wrong person, first attempt to cancel the transaction and dispute the payment through the “Wallet” app. Additionally, check if the transaction can be canceled through your bank’s mobile app.
There is much more, so let’s get started!
Is Refunding Apple Pay Money Possible?
Canceling your payment before the recipient has accepted it is possible, which will restore the sent funds to your bank or Apple Pay account.
Once accepted, the transaction cannot be canceled or restored unless disputed or stated as “Accidental” in the report form.
How Long Do Transactions Take to Arrive?
Knowing how much time you’re working with is essential in restoring the accidentally sent funds before the incorrect recipient has accepted them.
Bank transfers using Apple Pay may take up to 24 hours, while in worst cases, the funds arrive after 2-3 business days.
Once refunded, an Apple Pay transaction may take up to 3 business days before it is deposited into your account.
How to View Apple Pay Transactions?
Here’s how you can track the transactions of your Apple Pay account in easy steps:
- Open the “Settings” app on your mobile iOS device.
- Tap “Wallet & Apple Pay” from the available options.
- Tap “Apple Cash Card” and choose “Transactions.”
The latest transactions performed through your Apple Pay account will appear at the top of the tab, and pressing them allows for a detailed view of the deposit’s information.
You can separate your recent and all-time transactions using the category buttons at the top of your section.
Reminder: If a transaction has been canceled, accepted, or postponed, its status will change, allowing you to view the current shipment status or payment.
Sent Apple Pay to Wrong Person – Working Methods
Tip: Follow our methods in consecutive order!
1. Cancel the Apple Pay Transaction
While the transaction is still unaccepted, you can cancel the money through the “Wallet” app installed on your iOS Apple device.
Remember that canceling the payment is only possible if the funds have not been yet accepted, otherwise, you’d have to dispute the transaction.
Here’s how to cancel an Apple Pay transaction that is still not accepted:
- Open the “Messages” app on your mobile iOS device.
- Tap the conversation used for transaction verification.
- Once prompted, choose the “Cancel” option from below.
- Wait until the chatbot replies, “Canceled Successfully.”
If the recipient accepts the transaction right before you cancel it, the funds will be deposited to the forwarded account, and you will have to dispute the transaction.
Canceling the transaction before the destination recipient accepts it will deactivate the link in the confirmation message.
Remember: Manually canceling the transaction is only possible before acceptance!
2. Dispute the Apple Pay Transaction
If you’ve accidentally sent the transaction or filled out the transaction form incorrectly, you can dispute the sent funds by reporting an issue with the payment.
All you have to do is access the details of the Apple Pay transaction through the Wallet app and state the issue.
Here’s how to dispute a charge from your Apple or credit/debit card:
- Open the “Wallet” app on your iPhone device.
- Select the card that completed the transaction.
- Navigate to the “Latest Transactions” section.
- Next, select the transaction you wish to dispute.
- After that, scroll down to “Transaction History.”
- Tap the transaction again → “Report an Issue.”
- State that you’ve accidentally sent the payment.
- Press on “Continue” and follow the provided steps.
Remember that feedback from Apple regarding disputing transactions already distributed to a user’s wallet may take up to 2 weeks.
Note: In those terms, you might have to provide an Apple agent with proof that the transaction was accidentally sent and include the third party.
3. Cancel the Transaction From the Bank
When using a payment method through an associated third-party bank, you might also be able to cancel the transaction through your bank’s app.
This might not be possible through all banking applications, but you should still check if the payment can no longer be canceled.
Here’s how to cancel recent transactions through most banking applications:
- Open the bank app on your mobile Android or iOS device.
- Tap on your bank account number to access the details.
- Search for the “Apple Pay” line under the “Transactions.”
- Tap the transaction once to access the payment settings.
- Next, scroll to the bottom of the tab and search for “Cancel.”
If canceling the transaction was not possible through the bank’s application, you can contact an agent from the bank to talk about your recent transactions.
If Apple Pay has not yet verified your transaction, you can discuss the cancellation with your bank if the payment is considerably large.
Note: To manage your bank card’s transactions privately, download and install the mobile app!
4. Ask the Recipient for a Payment Refund
If canceling the transaction is no longer possible, then you should ask the recipient for a return transaction to restore the funds to your wallet.
If the mistaken transaction is towards someone you know or can contact, you should consider telling them that the transaction was by mistake.
Remember that if the recipient does decide to restore the misdirected funds, the transaction may take up to 3 days to re-add the funds into your wallet.
How to Contact the Recipient?
The easiest way to contact the recipient you’ve accidentally sent funds is via the Messaging app.
Upon directing the transaction, a new chat will open in messages if this is your first time sending that person money, or it will appear in the existing conversation.
Once you have a reliable line, you can contact the recipient and kindly ask whether it would be possible to restore the funds you’ve recently directed towards their account.
5. Relocate Funds to a Savings Account
Another workaround, if you’ve accidentally sent Apple Pay to the wrong person, is to move your money to your savings account quickly.
This is only possible if the funds were not yet subtracted from your account, and by leaving your payment account at $0, you’ll get the transaction declined.
You will receive a prompt to re-attempt the payment, but if the transaction was set to a person you don’t want to, you cancel it then.
This will ultimately prevent the transaction and save you the hassle of filing a dispute.
Now that we know all possible ways, let’s check some frequently asked questions!
Sent Money to Wrong Person Apple Pay – FAQ
There have been many misunderstandings and gray sectors regarding refunding money with Apple Pay and managing your transactions.
So, below are some of the most frequently asked questions about the popular fund-managing platform Apple offers, so let’s take a quick look:
How to Know If the Transaction is Received?
When the recipient sees and accepts your transaction, the message within the “Messages” app’s status should alter to “Seen.”
In addition, you will no longer be able to cancel the transaction through the “Wallet” app, and the payment status will change to “Done.”
How to Fix Issues with the “Wallet” App?
If you are unable to cancel the transaction or manage your payment methods, there could be an issue with the “Wallet” app available on your iOS device.
Here are a few tips to fix the platform:
- Offload and load the “Wallet” app on your iOS device.
- Check the internet connection of your mobile device.
- Update the iOS operating system of your iPhone/iPad.
Note: You will be prompted to select a preferred payment method before the transaction!
How Do I Know if Apple Pay is Down?
If your transaction takes too long to process or does not arrive, Apple Pay’s transaction system may be experiencing an outage.
You can track the status of Apple Pay on the System Status Page available through any web browser and any device.
If you’ve sent Apple Pay to the wrong person, attempt to cancel the payment and ask for a refund from the recipient.
If none of these work, dispute the Apple Pay transaction and attempt to cancel the transfer through your bank’s app.
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Finn Wheatley holds a Master’s Degree in Computer Science from UCL, London. He helped small data science consultancy firms, helping large corporations to grow their data capabilities, deploy advanced machine learning-based analytics and troubleshoot tech-related issues. Check out more about him here.