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How To Easily Cancel an Apple Pay Payment in 3 Steps

Have you ever accidentally sent an Apple Pay payment to the wrong person? Don‘t stress – you can cancel the transaction as long as the recipient hasn‘t accepted the funds. In this detailed guide, I‘ll walk you through how to cancel an Apple Pay payment in just 3 simple steps.

Over 77 million people use Apple Pay, with transaction volume growing by over 200% in 2020 alone. It‘s quick and easy to send money through Apple‘s payment system. But that convenience can lead to mistakes.

If you‘ve made an accidental Apple Pay payment, stay calm. You can reverse the transaction if you act quickly. Follow these 3 steps to cancel Apple Pay payments and get your hard-earned money back where it belongs.

Step 1: Check Your Apple Pay Transaction History

First, you need to find the payment. Apple Pay keeps a record of your transactions for the past 12 months. Here‘s how to see your payment history:

  1. Open the Wallet app and select your Apple Cash card.

  2. Tap "Card Balance", then scroll down.

  3. Under "Payments and Credits", you‘ll see all your Apple Pay activity sorted by month.

You can also view an individual transaction by tapping into your payment history from the Wallet home screen.

For example, let‘s say you sent $20 to your friend David on accident. You‘d scroll through your latest payments, then select that $20 transaction to David to view the details.

Wallet transaction history

Checking your transaction history in the Wallet app allows you to quickly identify any payments you need to cancel.

Step 2: Cancel the Erroneous Payment

Once you‘ve found the payment, it‘s go time. The way to cancel differs slightly depending on where you initiated the transfer:

If Sent via Messages:

Let‘s say you meant to send $20 to your friend Joe for lunch, but accidentally sent it to David via an iMessage instead. Here‘s how to cancel:

  1. Open your Messages conversation with David.
  2. Tap the payment bubble with the $20 amount.
  3. If the status says "Pending", tap "Cancel Payment" to reverse the transaction.

Once canceled, the payment will show as "Canceled" in your Messages. Pretty simple, right?

Over 68% of Apple Pay users send money through Messages to friends and family. If you‘re one of them, now you know how to cancel.

Cancel Apple Pay payment from Messages

If Sent via Your Apple Cash Card:

Perhaps you used your Apple Cash card directly to send money from the Wallet app itself. No problem, you can still cancel:

  1. In Wallet, tap your Apple Cash card.
  2. Find the pending payment in your recent transactions.
  3. Select "Cancel Payment" to reverse the charge.

After confirming, the payment will show as canceled instantly. Your money will be refunded to your Apple Cash card right away.

Cancel payment from Wallet app

See how easy that was? With two quick taps, you can cancel an Apple Pay payment and get your funds back.

Step 3: If Already Accepted, Contact Apple

Now for the unfortunate scenario – what if you try to cancel an Apple Pay payment but the option is grayed out?

This means your recipient has already accepted the funds. Uh oh. Once accepted, there is no way for you to cancel or dispute the charge yourself.

First, kindly contact the recipient. Explain it was an accidental payment and ask if they can please send the money back. Most decent people will understand and refund your cash if you ask politely.

However, if they refuse or ignore your request, you‘ll have to reach out to Apple support. Call 1-800-MY-APPLE or chat online with a specialist.

Explain the situation in full detail:

  • Who you sent money to and when
  • The reason for the accidental payment
  • Screenshots of your conversation if applicable
  • What you‘ve done to recover the funds

The more info you provide, the better chance you have of getting help.

According to Apple‘s support forums, they can sometimes open a dispute or issue a one-time refund exception for accidental payments. However, there‘s no guarantee of getting your money back once a payment is accepted.

To avoid this, be vigilant about Apple Pay scams asking you to send money to strangers. Only use Apple Pay with trusted friends. triple check the recipient, payment amount, and your account balance before hitting send.

Other Common Apple Pay Problems and Fixes

In some cases, you may run into technical issues with Apple Pay that prevent you from canceling a payment. Here are some common problems and troubleshooting tips:

Can‘t find the Cancel button? This typically means your recipient already accepted the funds. Contact them or Apple support.

Apple Pay keeps crashing or freezing? Try force quitting the app, restarting your iPhone, or updating to the latest iOS version.

Getting transaction errors? Make sure you have internet connection. Log out then back into your Apple ID.

Apple Pay stopped working entirely? Check Apple‘s system status page for any known outages.

Payment stuck "processing"? Wait an hour or two for it to resolve. If not, call Apple support for help.

Hopefully these fixes can get Apple Pay working again so you can manage payments. But it‘s wise to avoid potential issues by only using Apple Pay carefully with people you know well.

Recap: Cancel Apple Pay Fast

Accidentally sent an Apple Pay payment to the wrong person? As long as the recipient hasn‘t accepted it, you can cancel the transaction easily:

  1. Find the payment in your Wallet or Messages app.

  2. Tap "Cancel Payment" to reverse the charge.

  3. If already accepted, politely ask for a refund, or contact Apple support.

So don‘t panic if you make an accidental Apple Pay payment. Just act quickly within the pending period, and you can get your hard-earned dollars back.

Stay vigilant against Apple Pay scams, check your recipients carefully before hitting send, and you can avoid the need to reverse payments entirely. But if you do need to cancel one, now you know how!