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Unexpected Apple Pay charge not appearing in subscriptions

Hello,


On Oct 18, I took an IQ test through a website called myIQ. To view my test result, I was asked to pay $0.99 via Apple Pay, and I made that payment.


There another unexpectedly charged of $59.50 a week later, and I never agreed to any subscription or recurring payment. When I checked my Apple ID subscriptions, there was nothing showing related to myIQ or any active subscription.


This charge does not appear in my subscription list, and I cannot find a way to cancel or report it directly through my iPhone.


What should I do? Can I request a refund even if the purchase doesn’t appear in my Apple subscriptions?


Thank you in advance!


BlurBlurUser

5 replies

Neither the purchase or the subscription is managed by Apple.


As with any credit card purchase, you must contact the merchant who you paid for how you would cancel a subscription you made with them. If you are not able to resolve the problem with the merchant, then you have to dispute the charge with the bank of the issued card.


Just because you used Apple Pay does not mean Apple is involved in the transaction. The use of Apple Pay means the merchant does not have your actual credit card number of the card you chose to make the payment with. When you added the card to your Wallet, the bank gave you a unique token that is stored on your device to use for purchases. When you use the card in the Wallet, it requires you to double click the side button to approve the charge, followed by Authentication with Face ID/Touch ID or Passcode. Once that is done, the unique token your bank gave you is sent to the merchant, without them knowing your credit card number.


Fraudulent charges are still resolved the same way they do with any other credit card transaction. In this case, you likely inadvertently signed up for a free trial that would have probably been in the fine print of the initial results you paid for. When you dispute the charge with your bank, the first step they will have you do is attempt to contact the merchant for a resolution. If the is unsuccessful, then they will proceed to block further transactions, issue you a new card, and possibly refund your money. None of this involves Apple.


Also, be aware this is a common scam spread on Social Media where the posters receive money for directing users to their website, and also you see this as advertisements on there as well. Consider that risky behavior and don't believe everything you read on Social Media.

okieggeee wrote:
But how do you know what merchant it is when all it says is Apple.com or Apple Apple or Apple.bell, I have had this happen too many times

The OP specifically said they used Apple Pay which is different than a purchase made using your Apple Account. You would need to proved more details about what you are seeing and where you are seeing it. To see if it is a purchased managed by Apple, Use this Support Article and follow the steps here under See your purchase history on your device and see if the purchase is listed there.

https://support.apple.com/en-us/118212?device-type=iphone


If you are able to post a screenshot of what you are seeing with any personal information redacted, including your name and account numbers, that may help.


If you are being billed by Apple, you’ll receive a receipt showing Apple.com or other Apple regional billing. Those subscriptions are through your Apple Account, not Apple Pay, and will appear in your list of subscriptions in your account. If you purchase a subscription directly from a merchant on their website, such as the OP stated, you will not receive a receipt from Apple. The merchant will send a receipt or make one available online. Apple Pay and Apple Account are separate and have different, but similar, uses.


https://www.apple.com/apple-pay/


https://support.apple.com/en-us/105023


It doesn’t sound like you were billed by Apple. Contact the merchant as you likely paid them directly. You’ll also want to review the terms to which you agreed when you paid.

But how do you know what merchant it is when all it says is Apple.com or Apple Apple or Apple.bell, I have had this happen too many times