Can you report fraud on Apple Pay? If you suspect fraudulent activity on your Apple Pay account, this question is likely on your mind.
Despite being one of fraudsters’ favorite crime platforms, Apple Pay doesn’t offer buyer protection. This usually leaves victims to deal with the fallout of scam cases with little chance of recovering their money. But there’s some hope if you stick with this guide.
In this article, we answer your questions, show you how to report fraud on Apple Pay, and explore potential ways to recover your funds.
Can You Report Apple Pay Fraud?
Yes, if you send a scammer money through Apple Pay, you can report the transaction and dispute the fraudulent payment. Find out how to do this below.
How To Report Fraud on Apple Pay
To report a fraudulent transaction on Apple Pay, take the following steps:
- On your Apple Pay account, navigate to “Latest Transactions”
- Choose the fraudulent payment you want to dispute
- Tap “Report an Issue”
- You’ll receive a prompt. Select “Incorrect Merchant Info”
- Another prompt will come up. Select “Merchant Name, Merchant Category, or Other Issue”
Note: Following this process doesn’t always guarantee that you’ll recover your funds, as Apple Pay isn’t responsible for your losses if you get scammed.
Additional Damage Control Steps
You could also report the fraud to the following organizations to minimize the damage that can occur following a scam:
- Your bank—Inform your bank’s fraud department that you were a victim of a scam. They’ll provide adequate assistance to navigate the aftermath, including freezing your bank account
- Your credit card issuer—Unless a fraudulent transaction is linked to an Apple Card, Apple Pay isn’t responsible for it. Inform your credit card provider about the fraud to place extra security on your account and potentially receive some compensation
- The Federal Trade Commission (FTC)—The FTC encourages victims to report scam complaints. You can visit the FTC’s website to receive help
How To Get Money Back From Apple Pay Scam
Apple Pay doesn’t offer direct refunds if you get scammed through the platform, but you may be able to recover your money based on your linked card’s policy:
| Type of Card | Explanation |
| Credit card | Most credit cards offer zero liability protection, allowing you to recover lost funds that occur through the card |
| Apple Card | Goldman Sachs, your Apple Card issuer, may be able to give you a refund if you’ve been scammed through the card |
| Debit card | Not all debit card providers offer protection on their cards. Your bank’s policy determines whether you qualify for a refund |
Once a scam occurs, immediately contact these card issuers to dispute the transaction and recover your money.
How To Protect Yourself From Apple Pay Scammers
Keep your money and identity safe from Apple scammers by taking the following steps:
- Be wary of who you send money to. Even if they claim to be friends, verify their identity first, especially if they try to pressure you to act fast
- Use a strong and unique password to protect your account. Activate additional security features, such as two-factor authentication and biometrics, to enhance protection
- Use credit cards on Apple Pay instead of debit cards to protect against losses if you ever get scammed
- Carefully review the recipient’s information before sending money. Check for consistency in the account name or email address to spot spoofing attempts
- Consider moving large savings to a more secure storage platform like FortKnox. If a scam happens on your Apple Pay account, scammers could also infiltrate and drain your regular savings account. A high-security platform like FortKnox serves as a safety net for your savings in such cases
