Ok, so this is one of those questions that most people really don't know the answer to. What happens if you make an Apple Pay payment, then have to restore the OS, causing the card to have to be re registered? Apple Pay returns at the store (in this case Sephora) require the device to be retapped. The receipt came out and it said it was approved but whether I actually get the money back remains to be seen. Who else has done this before?