Cancel an Apple Pay Later loan
If you cancel your purchase with a merchant, but your loan isn't updated, you can request to cancel your Apple Pay Later loan.
If you want to cancel any part of an order made using Apple Pay Later, you should contact the merchant. If you've canceled items in your order with the merchant, but your Apple Pay Later loan and your payments aren't updated in Wallet, you can contact an Apple Pay Later Specialist to update your loan.
Canceled Apple Pay Later loans will not be reported to the credit bureaus and will not affect your credit score.
How to cancel your Apple Pay Later loan
On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
Tap Apple Pay Later.
Under Purchases, find and tap the specific loan that you want to update for cancellation.
Tap the More button
, then tap Report an Issue.Tap "My order, or part of my order, was canceled, but my loan hasn't been updated". Then tap Continue to Chat.
When a pre-written message opens in the Messages app, review the message and tap the Send button.
If the merchant hasn't started processing your order
You'll be able to cancel your loan if the merchant hasn't started processing your order.
We'll cancel your loan, and any future processing requests from the merchant will be declined. This action can't be undone.
If the merchant has started processing your order
When a merchant starts processing your order, they'll place an authorization on the loan.
If the merchant has begun processing your entire order or part of your order and there's an authorization, we're unable to cancel the authorized amount until the authorization expires.
An Apple Pay Later Specialist can provide the date by when the authorization is expected to expire and you can contact us at that time to cancel your loan. Expiration usually takes between 7 to 30 days.
When you cancel a loan or reduce part of your loan, any future processing requests for that amount will be declined. This action can't be undone.
