Fight and Appeal Apple Pay Fees Today

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Fight Apple Pay Fees

Apple has a way with innovative products, and Apple Pay is no exception. It's the most used digital payment service, with 507 million users worldwide. It's easy and convenient, but if you're facing or charges you weren't expecting, you may want some help getting them taken care of.

There are steps you can take to avoid fees and charges through Apple Pay, depending on what issue you're dealing with. But if you want someone on your side to take care of the footwork, DoNotPay can help.

How Much Does Apple Pay Charge for Each Transaction?

The good news is that using Apple Pay is free for purchases, both for the seller and the buyer. The only time you'll run into a fee with the mobile wallet app is when you use Apple Pay Cash to send money to someone using a credit card. will cost you 3% of the transfer, so if you're sending $500, expect to pay $15 for the service.

The expensive problem some users report is when they find fraudulent or mistaken charges on their accounts. These can be difficult to dispute, and people report that Apple customer support isn't always helpful in resolving the issue.

How You Can Avoid Apple Pay Fees

There is only one fee you could run into with Apple Pay, and it's pretty easy to avoid. To save yourself the 3% transfer fee, simply choose a debit card to complete the transaction. If your only option is to use a credit card, you'll be stuck with paying the 3%. That fee is in line with industry standards for funds transfers.

What About Surprise Charges?

One of the potential drawbacks of Apple Pay is also one of its advantages - it's very easy to use. People have reported accidentally making purchases through pop-ups, especially with older iPhones that use fingerprints to authenticate a charge. Newer iPhones use Face ID plus a double-click of the side button, adding an extra step that helps prevent accidental purchases.

But if you have ended up with an unexpected charge, either accidentally or through fraudulent activity, there are steps you can take to contest the charges.

How to Cancel Apple Fee Charges if the Payment Hasn’t Gone Through

If the payment hasn't been accepted yet, you can still cancel it.

  1. Open the Messages app, then open the conversation and select the payment.
  2. Your Apple Cash card will then open in the Wallet app.
  3. Under Latest Transactions, tap the payment twice.
  4. Select Cancel Payment.

If "Cancel Payment" doesn't appear, the payment has already gone through. If you're sure that the charges aren't legitimate, you have a few options to contest them.

  • You can call Apple customer support at 1-800-275-2273. As will all customer support lines, your wait time will vary, depending on the call volume of that day.
  • Hearing-impaired or deaf customers can access online sign language customer support at
  • You can also go to where you will be able to sign up to have a customer support representative call you, either as soon as one is free, or to schedule a time for a call. Again, availability depends on how many people need assistance at the same time you're available.

Once you do get ahold of customer support, it's hard to know if you'll get the results you're looking for. Some customers report a frustrating maze of unhelpful answers and stonewalling. If just thinking about the process is raising your blood pressure, DoNotPay has an easier way.

How to Get Help to Appeal a Fee

For excessive fees, DoNotPay has a product that makes it easy for you to hand the work over to us in just a few steps.

Here's how easy it is to use DoNotPay to appeal fees:

  1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.

  2. Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.

  3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.

It really is that easy, and then you can let us do all the work on your behalf. If you've accidentally purchased something through Apple Pay, we can also help you make an item return request.

Why Should You Use DoNotPay to Fight an Apple Pay Fee or Charge?

Contesting an Apple Pay fee or charge is the kind of task that takes time and work to navigate. But there's no need for you to figure out how to manage it when DoNotPay has the expertise to get it done quickly and accurately. We make the process fast and easy for you, and we know exactly how to go after the results you want.

DoNotPay is Your Clearinghouse to Help Dealing With Many Different Fees

It's not just Apple Pay we're ready to take care of you. DoNotPay can contest a wide range of fees that you may be paying every month without even thinking about it. Here's a sample of some of the entities that we have the skills to negotiate with:

Spirit Airlines American AirlinesChase CheckingRobinhoodHome Owner's Associations
Paypal CoinbaseeBayEtsyShopify

That's Just the Beginning of What DoNotPay Can Do

Getting rid of excessive fees is a great way to keep some of your hard-earned cash for more important things. But that's only a tiny portion of what DoNotPay can do to help you out. Here are some of the other products we offer to make your life better and easier.

At DoNotPay, we've made it our job to find solutions to problems, so you don't have to waste your time figuring them out. Let us show you how good we are at what we do!

Want your issue solved now?