How to Cancel a Payment in Apple Pay on Your iPhone

By Leanne Hays updated on 09/26/2019

* This post is part of iPhone Life's Tip of the Day newsletter. . *

Requesting and receiving money on your iPhone has been a possibility for a long time; apps like Facebook, Venmo, Paypal, and even Snapchat have all helped iPhone owners with these transactions. Apple Pay makes this even easier for iPhone users—you can quickly and securely request and receive payments right from the Messages app on your iPhone, as long as the person you're exchanging money with also has Apple Pay. No need to exit a text thread and open an app anymore! But what if you make a payment to the wrong person, or what if your payment isn't accepted? How do you go about canceling a payment you've made with Apple Pay Cash through your Messages app? Let's get started figuring this out, so that you don't have pending payments hanging out in your transaction history.

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If you've made a payment that hasn't been accepted or sent money to the wrong person, don't worry; it's fixable! The easiest way to go about this is to go to the payment in question by finding it in your messages.

Tap on the payment in your iMessage thread.
Tap on Cancel Payment near the menu bottom.
If you've deleted the message or can't find it, Open Settings, then scroll down to Wallet & Apple Pay and tap it.
Tap on your Apple Pay Cash card.
Tap on the Transactions tab just under the titles.
Tap the payment you want to cancel, in the Latest Transactions list.
Tap Cancel Payment near the bottom of the page.

Once you cancel a payment, your card will be refunded within 24 hours by your bank. If the person has already accepted the payment, you won't be able to cancel it. You can ask them to use Apple Cash via iMessage to send you a refund.

Top image credit: happydancing / Shutterstock.com

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Leanne Hays

Leanne Hays is an SEO Content Strategist and Feature Writer at iPhone Life, and has written hundreds of in-depth how-to and troubleshooting articles. She's a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source, as well as web content for education marketing. Leanne has an associate's degree in education, with a focus on curriculum development, as well as a bachelor's degree in science. She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she's only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader's lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.

In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.