How to respond to a scam

Payments + Shipping & Fulfilment

Topic summary

Immediate Actions Required:

  • Review the transaction in your Wallet app to gather merchant details, amount, and contact information
  • Contact your bank/card issuer immediately (number on back of card) to dispute the charge and request a chargeback
  • Act quickly—most banks have a 60-90 day window for disputes

What to Tell Your Bank:

  • Transaction date and merchant name
  • Confirmation that the store was fraudulent or you never received the product

Additional Reporting Steps:

  • Report to Apple Pay Support (they’ll direct you to your bank, as Apple doesn’t handle refunds directly)
  • File a report at ReportFraud.ftc.gov (U.S.)
  • Report the fraudulent page through Apple’s “Report a Problem” feature
  • If discovered via social media ads (Instagram, Facebook, TikTok), report the advertisement on those platforms

Key Point: Apple Pay processes payments through your linked debit/credit card, so your bank is the primary resource for recovering funds.

Summarized with AI on October 26. AI used: claude-sonnet-4-5-20250929.
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  1. Check Your Apple Pay Transaction> - Open your Wallet app.> - Tap the card you used.> - Tap the transaction to view details.> - Look for the merchant name, amount, and contact info.> > 2. Report the Scam to Apple Pay Support> > Apple itself does not handle refunds but they will direct you to the right place (usually your bank or card issuer).> - Go to: Apple Support – Wallet & Apple Pay> - Select “Dispute a charge” or “Report fraud or suspicious activity.”> > 3. Contact Your Bank or Card Issuer Immediately> > Apple Pay uses your debit/credit card. So:> - Call the number on the back of your card.> - Tell them the charge was for a fraudulent store or fake website.> - Ask to dispute the transaction or open a chargeback.> > They’ll ask:> - When the charge happened.> - The name of the merchant on the statement.> - That you never received the product or the store was fake.> > :warning: Do this quickly most banks have a limited time window (usually 60 to 90 days) to dispute charges.> > 4. Report the Fraudulent Page> > Even if the page no longer exists:> - Report it to ReportFraud.ftc.gov (U.S.)> - Also report it to Apple – Report a Problem if it involved an Apple service.> - If you found the page through Instagram, Facebook, or TikTok ads, report the ad there too.