User level: Level 1 (4 points)There have been three transactions made on my credit card (through wallet?) I contacted my bank and they said that I need to contact Apple for the refund not them….? But as you can see from the screenshots it says to contact my bank Westpac to sort it out…? These purchases were unapproved. I definitely did not and definitely wouldn’t be purchasing anything to do with AI..!!!
[Edited by Moderator]
Posted on Sep 27, 2026 2:35 AM
User level: Level 9 (64,078 points)Sep 27, 2026 3:13 AM in response to MissyMuff
Apple does not approve or decline transactions. In fact Apple does not participate in the transaction process. When a user initiates an Apple Pay transaction by double clicking the side button and Face ID verifies the user, tapping the transaction terminal sends encrypted payment information to the merchant. The merchant records a transaction number and their POS system sends encrypted data to the payment process. The encrypted data goes to the Payment Network Operator (Visa, MasterCard, American Express etc.) and if they approve, it’s sent to your bank for final approval. Your bank verifies the details of the transaction and approves or declines the transaction. Apple does not participate at any point in the transaction. Any information about the transaction that appears in your Wallet was provided by you bank.
If the charges aren’t yours you need to be talking to the fraud department at your bank, not the customer service team. Having worked in the financial industry, my experience is that the first tier customer support at most banks have no clue how Apple Pay works. The bank’s fraud department is much better trained in these matters and will be able to assist with a refund. Good luck.
User level: Level 10 (95,874 points)Sep 27, 2026 3:01 AM in response to MissyMuff
You’ll need to contact the merchant that charged you. That does not appear to be Apple but rather meshchat-ai. Apple is not involved
User level: Level 9 (64,078 points)Sep 27, 2026 3:37 AM in response to MissyMuff
Hi, If Face ID is unavailable or the user disabled Face ID, the device passcode will authorize transactions. Is there anyone in your household that knows your passcode and has access to your device? If, that person could initiate and authorize transactions.
You’re welcome and I’m glad to assist.
User level: Level 9 (64,078 points)Sep 27, 2026 4:15 AM in response to MissyMuff
OK, this Meshchat-AI transaction was probably hidden in some kind of other purchase on a social media site, gaming site or shopping site. It would not have appeared as a purchase of an AI service. I can investigate it a little more, but if you’re sure those with access to your device wouldn’t have made such an online purchase, I suspect your card was compromised when it was physically used.
User level: Level 1 (4 points)Sep 27, 2026 3:32 AM in response to Jeff Donald
Thank you so much for your reply, but I don’t use Face Id….? How else would have these transactions approved…?
User level: Level 1 (4 points)Sep 27, 2026 3:33 AM in response to muguy
Thank you so much for your reply 🙏 I’m still waiting on their reply to my email to them….
User level: Level 1 (4 points)Sep 27, 2026 3:39 AM in response to Jeff Donald
I have a partner but we have no kids together, he has two but do not live with us so definitely not them… and my partner thinks the same as I do when it comes to anything AI…..
User level: Level 9 (64,078 points)Sep 27, 2026 3:43 AM in response to MissyMuff
OK, do you ever physically use the card that’s tied to these transactions? For example inserting the card or swiping at a grocery store or gas pump?
User level: Level 1 (4 points)Sep 27, 2026 3:57 AM in response to Jeff Donald
Yes I do, I treat it like my back up plan though, it’s not the first card I reach for….
Originally posted at discussions.apple.com/thread/256365823