Return a purchase made using Apple Pay Later
See how refunds are applied after you’ve returned an item to the merchant.
Returning your items
If you want to return any part of an order placed with Apple Pay Later, check the merchant's return policy and follow the steps provided. The amount of time that you have to return items, return conditions, potential restocking fees, and the type of refund you receive will vary depending on the merchant. If you experience issues returning your items, contact the merchant first.
How Apple Pay Later refunds are applied
If you return any part of your purchase and are eligible for a refund, in most cases the merchant will notify Apple Pay Later. We'll then apply the refund to the payments you owe on your loan and update your payment schedule in Wallet. Keep in mind that processing times will vary by merchant and can take up to 10 days to process.
If your refund is greater than your remaining loan balance, it may take up to 5 days to appear on your debit card account depending on your financial institution.
To locate a refunded Apple Pay Later loan:
On your iPhone, open the Wallet app.
Tap Apple Pay Later.
Scroll down and tap on Completed.
Refunded loans will appear in the Completed section along with any other finished loan.
If you return part of your order
When your refund is processed, it's subtracted from the total amount of your Apple Pay Later loan. Your payment due dates stay the same, but one or more of your remaining payments is reduced depending on the dollar amount that you returned. Refunds are applied starting with your last payment, then your second-to-last payment, and so on.
It’s also possible that one or more of your payments is eliminated depending on the amount that you're refunded. If your refunded amount is greater than the remaining amount that you owe, you don't need to make any more payments, and any extra amount that you've already paid is refunded to the payment method that you used.
If you return your entire order
When the merchant processes a full refund for your return, they'll notify Apple Pay Later and your payment schedule will be updated. At this point you no longer owe any Apple Pay Later loan payments. Any payments that you've already made are returned to the payment method that you used.
If you used multiple payment methods, refunds are returned to each payment method for the amount that was charged. It may take up to 5 days to appear on your debit card account depending on your financial institution.
If you return an item in-store
In most cases, the merchant will notify Apple Pay Later and we'll apply the refund to your loan.
If the merchant can't refund to your original payment method without a tap or physical card present, you should tap the debit card associated with your Apple Pay Later loan. The items that you return will be refunded directly to your debit card account, and your loan won't be adjusted. In this case, you'll need to continue making payments that are due on your loan.
If a merchant issues you store credit for your return, you'll need to continue making payments that are due on your loan.
If a merchant asks you for the last 4 digits of your payment method, you can find that information in the Wallet app:
On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
Tap Apple Pay Later.
Tap the purchase that you're returning.
Tap the More button
, then tap Returns.From here, you'll see the last 4 digits under Using Last 4 Digits.
Check the status of your Apple Pay Later refund
On your iPhone, open the Wallet app. Then tap Apple Pay Later.
Under Purchases, tap on the purchase associated with your returned item(s).
Under Payment Schedule, you'll see a refund amount once your refund has been successfully processed. You'll also see an updated payment schedule.
