My apple pay was hacked

Only encrypted data is stored on your iPhone. The more likely scenario is you used the card at a merchant and the merchant was hacked (data breaches happen frequently) or the magnetic stripe was skimmed or the chip was shimmed. Your data sold on the Dark Web. Whoever purchased your data entered it on their Apple device and used your card to make purchases.

Do both Open AI accounts show the same billing? One way fraudsters use your cards is at fake merchants setup to look like a real merchant account. They use similar names and web address or emails, but they are fraudulent.

You should report the fraudulent transactions to the bank that issued the card immediately and file a police report. The issuer of the credit card (bank) approved the transactions and are responsible for providing fraud protection on their financial accounts and instruments. The number to use to contact the bank is printed on the back of the card.

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