How Does Apple Pay Credit Card Return Work?

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by ghsNick, Sep 25, 2018.

  1. ghsNick macrumors 68030


    May 25, 2010
    I purchased an iPhone using my Credit Card with Apple Pay (with my old iPhone).

    Before I sold my old iPhone, I wiped all the Apple Pay Credit Cards from that device.

    Something came up and I need to return the iPhone I purchased, and even though the card I made the purchase on is still active, the Device Account Number that was created via Apple Pay for that card is no longer active since I wiped the device.

    Will I still be able to return the iPhone and get the credit back to my Credit Card? Not sure what I can do since I disabled Apple Pay on the device I made the original purchase with.

  2. Chazzle macrumors 68000


    Jul 17, 2015
    The purchase is tied to your credit card and not the device account number, so you absolutely can return it no problem.
  3. ecschwarz macrumors 65816


    Jun 28, 2010
    It's very similar to if you were issued a new card number after you purchased your iPhone - let them know when returning it and they'll probably have you swipe/insert your card or use Apple Pay on another device - either way, the refund will go back on the account that your real card and Apple Pay card (device account number) points to.
  4. aKansasKid macrumors regular

    Apr 27, 2015
    I returned an item to Best Buy that I had paid for with Apple Pay this weekend. The customer service rep didn't need either my iPhone or my credit card. He said refunds are sent directly to the card underlying your Apple Pay.
  5. ecschwarz macrumors 65816


    Jun 28, 2010
    This is how Target does returns with physical cards - they typically don't need the card and I suspect Best Buy would be the same way with physical cards, too. I'm guessing with the tokenization and device account numbers, even when deleted out of Apple Pay, there's some sort of time frame when they're still on file with your account so that returns can be pushed back.

    Basically, people have been returning stuff enough that most places have a way to do it, even if your number or method of payment changes. I suspect the only way to truly "break" it would be if you closed your credit card or bank account and then tried a return.

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4 September 25, 2018