Can you get your money back from Apple Pay if you sent it to the wrong person?

Reversing Apple Pay Transfers: A Guide to Recovery

Apple Pay, a convenient and secure mobile payment service, enables users to send and receive funds swiftly. However, accidental transfers to the wrong recipient can be a frustrating experience. This article provides a comprehensive guide on how to recover mistaken Apple Pay payments.

Request a Return from the Recipient

The most straightforward method for recovering funds sent to the wrong recipient is to contact them and request a return. Explain the situation and provide evidence of the mistaken transfer (e.g., a screenshot of the transaction confirmation).

If the recipient is cooperative, they can initiate a refund through the same Apple Pay account used to receive the funds. Once initiated, the refund process is typically completed within a few days.

Cancel the Transaction

If the recipient refuses to cooperate or cannot be reached, you may consider canceling the transaction through your Apple Pay account. This option is only available for unclaimed transactions that are still pending. To cancel a transaction, follow these steps:

1. Open the Wallet app on your Apple device.
2. Tap “Apple Pay.”
3. Select the recent transaction you wish to cancel.
4. Tap “Cancel Transaction.”

Once canceled, the funds will be returned to your Apple Pay Cash balance within seven days.

Automatic Refund Policy

If a recipient does not claim unclaimed funds within seven days, Apple Pay automatically reimburses the sender. This process ensures that mistaken transfers are resolved promptly, even without recipient cooperation.

Conclusion

Retrieving mistaken Apple Pay transfers is possible by contacting the recipient, canceling the transaction, or relying on the automatic refund policy. By following the steps outlined in this article, users can effectively rectify such situations and safeguard their financial well-being.