Apple Pay liability shift, disputes, and refunds

Post payment activities can include disputes and refunds. When these use cases happen, learn how to address disputed payments, understand the nuances of liability shifts for Apple Pay charges, and manage refunds effectively.

Disputes

Users must authenticate payments with their Apple Pay accounts, helping to reduce the risk of fraud or unrecognized payments. However, users can still dispute transactions after they complete payment. You can submit evidence to contest a dispute directly. The dispute process is the same as that for card payments. Learn about how to manage disputes.

Liability shift for Apple Pay charges

Apple Pay supports liability shift globally for all the major networks with the following exceptions:

• For Visa, liability shift is supported globally for devices running iOS 16.2 and above.
• For Visa, liability shift support is only available for cards issued in Europe for devices running on versions below iOS 16.2.

Refunds

You can partially or fully refund any successful Apple Pay payment. The refund process is the same as that for card payments. See Refund and cancel payments for instructions on initiating or managing refunds.