I had to do two returns - once at Meijer and once at my local Home Depot and they processed it to go back on my card. At Meijer, I just had to hold my phone near the reader and act like a normal Apple Pay transaction, while Home Depot they just did a return back on the card and didn't need anything from me. I suspect that somehow on the bank's end, the card and one-time number are paired up once again (sort of like if, in the course of a month, you bought something, had a replacement credit card sent to you with a different number, and then returned something). I don't have specifics from the store staff member standpoint, but in both cases, they seemed to just treat it like a normal return and didn't do anything special.