How to stop an Apple payment

How you dispute a payment made with Apple Pay depends upon the means of transaction.

Get a refund for purchases made with credit or debit cards using Apple Pay - Apple Support

“The policies for processing a refund can vary depending on the merchant. You can generally return purchases made using Apple Pay by providing the receipt. Some merchants might ask for more information, such as the last four digits of the Apple Pay card number used for your payment method. When the merchant processes your refund, it goes back to your payment card automatically, but it might take several days to appear on your card statement.”

For payments made with Apple Pay Cash with Messages, see the section about "How to cancel or dispute a payment" [made with Apple Pay Cash]" by clicking on the link for this document: Send, receive, and request money with Apple Pay - Send and receive money with Apple Cash - Apple Support

"How to cancel or dispute a payment [made with Apple Pay Cash]

1. Open the Messages app, then open the conversation and tap the payment.

2. Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.

3. Tap Cancel Payment."

Notes:

- If you don't see Cancel Payment, the person has already accepted the payment. Try asking the recipient to send the money back to you instead.

- It can take 1-3 business days for the money to be refunded, depending on your bank or card issuer.

- Apple Pay person to person payments are just like any other private transaction between two people. If you're unable to cancel or receive your money back from the recipient, you can contact [Apple] to open a dispute [ https://getsupport.apple.com/?caller=kbase&PGF=PGF90000&category_id=SC0287&symptom_id=23288 ].

If you are seeing an attempted charge without the funds to process, you cannot prevent that from happening. That would be from a previously authorized transaction/subscription. You will not be able to request a refund or stop a pending transaction.

To stop an Apple payment, cancel the related subscription under Settings → Your Name → Subscriptions, or request a refund at reportaproblem.apple.com for accidental charges. Apple Pay payments must be handled through the merchant or your bank.