Apple comes up with a feature to send or receive money using Apple Pay through the Messages app. Here, Apple Pay uses money from your Apple Cash account or a debit card registered on your Wallet. While using Apple Pay, most users have encountered the fraud alert message just before sending money on Apple Pay, and they have no clue about the reason for the fraud pay alert message. If you want to know why you are getting this Apple Pay fraud suspected message on your iPhone or iPad and how to resolve the issue, the article will guide you with the same.
What is Apple Pay Fraud Suspected Alert Message
If Apple Pay finds any suspicion or detects the transaction as a scam, it warns the user with an alert message that says, “Fraud Suspected – This request has been flagged as suspicious and may be a scam. When you send the money, it will not be refunded, and transactions cannot be reversed.”
Note: You can even use Apple Pay on Apple Watch to transact.
Possible Causes for Apple Pay Fraud Suspected
The possible causes for the Fraud Suspected Alert on Apple Pay are listed below.
- Apple Pay Fraud Suspected Alert is a warning when the transaction made by you has a red flag in the system.
- For example, if Apple Pay finds the details of a transaction previously reported as fraud, it warns you to be careful before sending your money.
How Apple Pay Works
Apple employs fraud prevention technology and artificial intelligence in Apple Pay which helps to spot suspicious transactions in real time. Apple Pay does not stop the transaction by preventing you from sending money to anyone, but it only warns you about the fraud suspect. However, you can Send money to the recipient by clicking on Send Anyway button. When you get a warning message, then tap on sending Anyway button only when the person you send the money to is someone trustworthy and not a stranger.
How to Deal with Apple Pay Fraud Suspected Alert
Let’s see how you can deal with Apple Pay Fraud Suspected alert message in the below steps.
- Check the Transaction Details Twice
- Sign Out and Sign in back to your Apple Account.
- Remove Your Card from Apple Pay.
- Contact Your Bank.
Check the Transaction Details Twice
When you receive a warning message from Apple Pay, it means that Apple pay has suspected the recipient is a scam. It is recommended to look closely at the transaction details and double-check their name and payment information to ensure that the recipient is not a scam or impersonating a trustworthy person.
Click Send Anyway button to confirm your transaction only if you are 100 percent sure about the recipient. You should take Apple Pay alerts seriously. You can’t claim a refund or reverse the transaction after approving the peer-to-peer financial transactions.
Sign Out and Sign in Back to your Apple Account
If you are warned with a suspected fraud alert, sign out of your Apple account and restart your device to reset your connection to the Apple servers. Again sign back into your Apple Pay account. If you have logged into multiple devices using the same Apple ID, then make sure that you have to sign out of your Apple account on all the devices you were using Apple ID. This will help you to resolve any issues related to the Apple servers.
Note: It is possible to Unsend Messages on iPhone with the iOS 16 update. So, you can take back the messages you regret sending.
Remove Your Card from Apple Pay
Occasionally, this issue will disappear when you remove the card from your Apple Pay account and add it again.
1). On your iPhone, go to the Wallet app.
2). From the cards on the Wallet app, choose the problematic card by tapping on it.
3). Then, tap on the three-dotted icon at the top right-hand corner of the screen.
4). Now, select Remove This Card which lies at the bottom of the screen.
5). After removing the card from the wallet, add it again by choosing Add Credit or Debit Card.
6). Then, add your card by entering the required details.
7). Try to use Apple Pay as usual and check whether the alert message appears again. If the problem continues, try the other methods described below.
Contact Your Bank
If you have no issues with the Apple servers, you should contact your bank or credit card company to know whether they are blocking transactions from Apple Pay. If the bank is not involved in blocking the transactions of Apple Pay, contact Apple Pay customer service or speak with a representative at an Apple Store and ask for their guidance to resolve the issue.
What to Do After Approving Fraud-Suspected Transaction
If you have done a transaction to any Fraud Suspected contacts, you should try the following things.
- Contact and report the issue to your bank if you have used the debit card.
- You shall even report to Apple about the transaction.
- Apart from this, you shall inform about the issue to the local police.
On suspecting any sender or receiver is fraudulent, block them and report them as junk. To avoid disputes and scams in Apple Pay, never send or receive payments from strangers. And also, review payment information and recent transactions carefully.
Frequently Asked Questions
You can’t feel completely safe regarding the security provided by Apple Pay. Security researchers say that there is a loophole in Apple’s pay mechanism. And also, the theft involved in Online payment apps is wireless, and you can’t realize the theft until hours or days.
Yes. You can also use your Apple Pay without your phone by using an Apple watch. Moreover, you can add one or more cards to your Apple Pay using your Apple Watch and use it independently without the help of your phone.
No. The Apple Wallet on your device, with added credit cards and other payment methods, cannot be used by anyone as it is linked with your Apple ID. Apple Wallet is accessible only when anyone accesses the Apple ID and password.
You can get a refund from Apple Pay by Signing in to reportaproblem.apple.com. Then, select I’d like to option, then click Request a refund. After that, you have to choose the reason for asking for a refund and choose a subscription or app, or any other options. Finally, click Submit.