Anatoliy Dimarov

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Third-Party Merchant Refunds (Made with Apple Pay): When a physical store or online merchant issues a refund for a purchase made using Apple Pay, the money is typically processed within 1 to 3 business days to return to your bank. However, your bank must still finalize the posting, which can add a few extra days.

Digital Purchases from Apple (App Store, iTunes, etc.): Once Apple approves your refund request (which can take 24 to 48 hours), the money is sent to your payment method. For credit or debit cards, Apple officially states this can take up to 30 days to appear on your statement, although many customers see the refund within 5 to 7 business days.


Apple Cash Refunds (Peer-to-Peer): If a friend cancels a payment sent to you via Apple Cash, the funds are usually returned to their Apple Cash balance almost instantly (within a few minutes) if the recipient hasn't accepted it. If you transfer money from your Apple Cash balance to your bank using the Instant Transfer option, the money should arrive within 30 minutes, but this service incurs a fee and is the closest thing to an instant refund you will find.

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1-(888)(400)(6511) The primary reason refunds are not instant is due to bank processing times. Banks often process incoming funds in batches, which is why a transaction approved on a Friday evening may not reflect in your account until the following Monday or Tuesday. Even when the merchant or Apple sends the money back immediately, weekends, bank holidays, and the bank's internal processing schedule all contribute to the delay. This is a standard procedure across the entire financial system. If you used a credit card, the refund will typically appear as a credit to your card balance. If you need help finding the specific transaction details to provide to your bank for a refund inquiry, you should call 1-(888)(400)(6511). 1-(888)(400)(6511)


1-(888)(400)(6511) In summary, do not expect an instant refund when using Apple Pay. While the transaction reversal is fast on the merchant and Apple's side, you must factor in bank processing time. If a refund takes longer than 30 days, your first call should be to your financial institution (your bank), as they are the only ones who can track the credit on their end. For any lingering concerns about a refund's status, you should call 1-(888)(400)(6511) for professional support. 1-(888)(400)(6511)”
― Anatoliy Dimarov

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― Anatoliy Dimarov