Refund Sitting in Apple Pay
I used my debit card through Apple Pay; there is a refund issued but my bank has no record of it. It's been 2-3 weeks... what's my next step?
Apple Pay is just a way of securely authorizing a transaction. It does not have the ability to >store< a refund. There is one exception, did you use an Apple Card MasterCard for the transaction? It’s not a debit card, but does have access to Apple Cash, which is integrated in Apple Pay, but only of Apple users.