To get money back from Apple Pay for a purchase, you generally need to request a refund from the merchant where you made the purchase. Here are the key steps:

• Contact the merchant to request a refund. The refund will be processed back to the payment card you used with Apple Pay, not directly through Apple Pay itself

• Provide a receipt or proof of purchase if required. If the merchant needs more details, you can provide the Apple Pay card number (a device-specific number different from your physical card number). You can find this number by opening the Wallet app on your iPhone or Apple Watch, selecting the card used, and viewing the card information

• If the merchant requires it, you can authorize the refund using your device by selecting the card in the Wallet app and holding your iPhone or Apple Watch near the contactless reader, authenticating with Face ID, Touch ID, or passcode

• Refund timing: Once the merchant processes the refund, it may take several days for the money to appear back on your card statement

• If you did not authorize the transaction or suspect fraud, contact the merchant first to request a refund. If refused, dispute the charge with your bank or card issuer, as Apple Pay itself does not hold funds or issue refunds directly

• For purchases of apps, subscriptions, or digital content through Apple, you can request refunds via Apple’s official website at reportaproblem.apple.com by logging in with your Apple ID and submitting a refund request with a reason

In summary, refunds for Apple Pay purchases are handled by the merchants and your card issuer, with Apple Pay acting as a secure payment method but not a bank or payment processor that issues refunds directly