How do I know if a message I get is real

It is the same reported phishing message that has been seen many times here. The specific one for Orlando Florida usually includes a fake Case ID number, although the scammers do change the text of the phishing messages.

NEVER call any phone number in a message. They are looking to get your personal/account information and that is the real purpose of the phishing message. There is no charge on your card or account and there is no unverified Apple Pay usage. Apple would never send you any such message.

Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support

That’s a phishing attempt from scammers and its literally been reported 100’s of times if not 1000’s. 

Apple would never contact you. Your bank (issuer of card) would contract you. Banks do the exact opposite of the message you received. If they suspect fraud the transaction is stopped immediately. You have to call to verify the transaction, not call to stop the transaction. 

“Don't answer suspicious phone calls or messages claiming to be from Apple. Instead, contact Apple directly through our official support channels.”

”To report a suspicious SMS text message that looks like it's supposed to be from Apple, take a screenshot of the message and email the screenshot to reportphishing@apple.com.”

You can report phishing at these links and most importantly your local law enforcement.

• Identify legitimate emails from the App Store or iTunes Store.
• FTC Complaint Assistant
• FBI’s Internet Crime Complaint Center

Learn about how not to be a victim of Social Engineering.

Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support