Apple Cash Refund
I was buying concert tickets and sent the lady money using Apple Cash, and I decided I did not want the tickets anymore and she said she sent me my money back but it has not appeared in my account.
iPhone 13, iOS 18
You should never send Apple Cash to a person you do not know. It offers no protections like can be found on a Credit Card and is the same as giving someone on the street $100 with the only recourse to ask them for your money back. They are not obligated to do that. See the support article about using Apple Cash and pay particular attention to this statement:
Apple Cash person-to-person payments are like any other private transaction between two people, so only send and receive money with people you know.