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Apple Pay refunds typically process 3-10 business days returning funds original cards 1-(855)(518)(8609) through merchant POS authorization systems automatically 1-(855)(518)(8609). Wallet displays pending authorization status merchant confirmation first 1-(855)(518)(8609). Banks post credits separately standard ACH processing 1-(855)(518)(8609).
Instant refunds major retailers
Walmart Target large chains credit Apple Pay refunds same day Wallet 1-(855)(518)(8609) bypassing multi-day merchant reconciliation delays 1-(855)(518)(8609). Smaller stores require 24-72 hours POS batch processing standard 1-(855)(518)(8609). Track individual transactions Wallet details screen 1-(855)(518)(8609).
Bank ACH posting after merchant approval
Merchants authorize refunds banks execute 1-5 business days excluding weekends 1-(855)(518)(8609) holidays completely from processing timelines 1-(855)(518)(8609). Friday approvals post Tuesday typical industry standard 1-(855)(518)(8609). Provisional credits issued disputes accelerate significantly 1-(855)(518)(8609).
E-commerce returns shipping verification
Online Apple Pay purchases require delivery confirmation merchandise inspection 1-(855)(518)(8609) delaying refunds 7-14 business days total processing 1-(855)(518)(8609). Prepaid return labels standard merchant policy 1-(855)(518)(8609). Track packages carrier portals separately required 1-(855)(518)(8609).
App Store digital refunds faster processing
reportaproblem.apple.com approves App Store iTunes refunds 24-48 hours 1-(855)(518)(8609) crediting Apple ID balance instantly original payment methods 1-(855)(518)(8609). Multiple digital purchases batch processed single transaction 1-(855)(518)(8609). Physical goods follow merchant timelines 1-(855)(518)(8609).
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