My mother accidentally clicked on a link and a payment was done via applepay for €49 p/month, while she didn’t approve/wanted to have this yoga contract
Looking at review websites more apple customers suddenly had this contract with eliteyog.com. Why is apple making this fraudulent websites easy to do this via applepay payments ?
[Re-Titled by Moderator]
Apple doesn’t recruit merchants. Apple makes Apple Pay available to banks, and Payment Network Operators (Visa, Mastercard, AmEx, Discover, etc.) and credit card payment processors, who in turn offer it to merchants that are their clients. Apple has no control over a businesses website offering Apple Pay.
Apple doesn’t recruit merchants. Apple makes Apple Pay available to banks, and Payment Network Operators (Visa, Mastercard, AmEx, Discover, etc.) and credit card payment processors, who in turn offer it to merchants that are their clients. Apple has no control over a businesses website offering Apple Pay.
OpelInsignia wrote:
Hello, the exact same thing happened to me. Even though I'm so alert about it. In my case it involved downloading a manual and having to pay 1 cent via Apple Pay, assuming it was safe. Almost immediately I signed up for an Eliteyog subscription. Immediately afterwards I had my account blocked by the bank. Finally got rid of it. Crazy way of working. I also think that Apple has made mistakes. I assume they will check this. Apparently not. I also immediately stopped using Apple Pay.
Greetings, Chris from the Netherlands
The issue you have is with your bank. You inadvertently signed up for a subscription, which was probably in the fine print when you made your purchase with Apple Pay. It is your bank that will honor the subscription that you signed up for and that will continue until you cancel the subscription. Apple Pay does not approve/deny any charges, that is only done by your bank. It would have made no difference if you used Apple Pay or just entered your card details.
In the iPhone, Apple Pay requires you to double click the side button with the payment amount showing on the screen, followed by verification with FaceID/TouchID or Passcode. Many people have been scammed by these websites whether they use Apple Pay or not. Apple Pay does not approve/deny transactions, that is done by the bank that issued the card that was used. Many times these sites are linked from Social Media sites or Web page advertisements that makes claims that are not true.
You will want to make sure you are able to cancel this subscription from the same website that was used when it was signed up, otherwise you can expect another charge to the payment method. The proper location to report fraud is here:
PNO, is the Payment Network Operator. A PNO could be Mastercard, Visa, American Express etc.
The PNO’s all have a similar service that merchants can optionally signup for. Mastercard calls theirs ABU or Automatic Billing Updater. But remember, all PNOs offer the same service. Most bank credit and debit cards are automatically enrolled. The link below gives a good explanation of the service.
https://www.bannerbank.com/financial-resources/automatic-billing-updater
>>What is Mastercard Automatic Billing Updater?
Mastercard’s Automatic Billing Updater is a service participating merchants can use to retrieve cardholder account changes, like new debit or credit card numbers, to ensure as little disruption as possible for your card-on-file transactions and recurring payments.<<
Because the signup your mother did was a subscription (a legal contract) the payment is a card-on-file transaction and the number is being automatically updated and forwarded to the merchant and continue billing your mother.
Get the bank to stop the billing updater and then change the card number and ask the PNO to update the card token in Apple Pay. Your bank will need to send a service ticket to the PNO or TSP (Token Service Provider) to update the token.
ING is a large international bank, in the top 50 largest banks in the world, I’m sure. They should be a good bank, but have never had direct experience with them.
It looks like, from their website, they issue cards using the Mastercard Payment Network. Mastercard is automatically updating the fraudulent merchant with the account changes the bank is making to your credit card account. Sounds like the left hand doesn’t know what the right hand is doing.
Fraud department should be able to resolve your issue.
Was this an Apple Cash and not a credit card that you used. Who is the merchant you did the transaction with? Was the transaction at the merchant’s retail location, online or how exactly did you complete the transaction?
Hello, the exact same thing happened to me. Even though I'm so alert about it. In my case it involved downloading a manual and having to pay 1 cent via Apple Pay, assuming it was safe. Almost immediately I signed up for an Eliteyog subscription. Immediately afterwards I had my account blocked by the bank. Finally got rid of it. Crazy way of working. I also think that Apple has made mistakes. I assume they will check this. Apparently not. I also immediately stopped using Apple Pay.
Greetings, Chris from the Netherlands
Thanks for your reply, I removed the bank card of my mother from applepay, so I hope they are not able to retrieve more money. The cancellation button on the site is not working, but I send an email to cancel the subscription.
my mother called tha bank and they said that they were not able to do anything
I called the bank fraud helpdesk and they say they are not able to do anything as the money isn’t transferred to a bank account but to a contact and that apple has to close that contact (and indeed I don’t see an account number in the money transfer). The only way to stop is to end the applepay contract with ING bank.
Hi Jeff, what is PNO?
the bank is pointing to applepay and apple to the banks
in the meantime I can read on other platforms that multiple people are clicking on a link expecting to do something else and have a never ending subscription for 49€ per month
how can this be stopped and is unlinking the bank card from applepay stopping these payments?
it is difficult to find information on this
thanks all for thinking along
What PNO is the card your mother used on?
It is a Dutch bank named ING bank
Thanks for the advice
How to cancel unauthorized ApplePay payments and protect yourself from scams?