How To Spot Apple Pay Scams 

Have you ever received an email or text message claiming to be money from Apple Pay, and thought it was too good to be true? Perhaps you want to learn how to send money through Apple Pay without fear of being scammed. You’re not alone. Apple Pay scams continue to rise, and many fall victim to them every day.

Scammers use various techniques to trick people into providing their personal and financial information on Apple Pay, and other apps, which can lead to identity theft and financial loss. This can discourage those who want to use these apps for legitimate business.

Thankfully, there are ways to spot Apple Pay scams and protect yourself from falling victim to them. With the right knowledge and awareness, you can keep your personal information safe. In this article, we’ll discuss how to spot Apple Pay scams, explain how to use Apple Pay to send money, and what steps you can take to protect yourself in the process.

What Is Apple Pay and How Popular is It?

Apple Pay is a digital wallet and mobile payment system created by Apple Inc. It allows users to make secure payments through their iOS devices, such as iPhones, iPads, or Apple Watches. With the use of an Apple ID, users can store their credit card information securely on their device and use it to make purchases in -store or online.

What is an Apple ID?

An Apple ID is an account created by a user to access all the services provided by Apple, such as iTunes, iCloud, and Apple Pay. It’s the same account you would use to buy apps or music from the App Store or iTunes Store.

The Apple ID also serves as your username for all other Apple services that require authentication. When creating an Apple ID, users are required to provide their personal information, including name, address, email address, and credit card information such as card issuers, number, etc.

How to Get an Apple ID

To get an Apple ID, you’ll need to follow these steps:

  • Visit the Apple website and click on the “Create Your Apple ID” button.
  • Enter your name, email address, and desired password.
  • Create security questions to use if you ever forget your password.
  • Enter your payment information or credit card details.
  • Agree to the terms and conditions.

Once you’ve completed these steps, your Apple ID will be created and you can start using Apple Pay.

What is Apple Cash?

Apple Cash is a feature within Apple Pay that allows users to send money to people and receive money from friends and family. It’s an easy, secure way to send money directly through the Messages app on your iOS device.

The received funds are stored in the Apple Pay Cash card in the Apple Wallet app, which can be used right away or transferred to your bank account. You can use Apple Pay and Apple Cash on any Apple product, including when shopping in an app on your Apple Watch. Of course you can also make instant transfers from your Wallet app.

How Popular is Apple Pay?

Apple Pay also works with banks and other financial institutions to support contactless payments for goods and services. As of 2020, Apple Pay is one of the most popular mobile payment systems in the US, according to research from Statista.

The platform is accepted in over 10 million retail locations worldwide, including major retailers like Walmart and Starbucks. It’s also integrated into popular apps like Uber and Lyft. This makes Apple Pay one of the most popular ways of sending or receiving money online.

Common Types of Apple Pay Scams

There are several different types of Apple Pay Scams to look out for when using the app to send or receive money. Here are a few of them.


Phishing scams involve scammers sending unsuspecting victims emails, texts, or calls pretending to be from Apple Pay and requesting personal information such as passwords and credit card numbers.

Fake App Store Listings:

Some scam apps are disguised as official Apple Pay apps in the App Store. It is important to only download apps from the official App Store.

Fake Offers:

Scammers may create fake offers for Apple Pay users, such as free gift cards or cash payments. They may also offer to help you set up your Apple Pay account in exchange for a fee. These are all scams and should be avoided.

Other apple Pay Scams include bogus refunds, fake customer service calls, and payment requests from unknown sources.

Red Flags to Watch for When Using Apple Pay

When using Apple Pay to send or receive money, there are many red flags that you should be aware of. We have taken the time to describe some of them.

1. Unfamiliar or Unsolicited Payment Requests: When using Apple Pay, be wary of any requests for information or payments that seem out of the ordinary or unfamiliar. Be sure to double-check with your financial institution if you are uncertain about a request.

2. Unexpected Links: Avoid clicking on any links in emails or text messages that seem suspicious or unfamiliar. This could lead you to a phishing site where scammers can access your personal information.

3. Unsecured Websites: Be sure to only use secure websites when entering your payment information, as unsecured sites may be vulnerable to scammers. Look for the lock icon in the address bar and make sure it is a secure website from legitimate companies before entering any information.

4. Unverified Sources: If someone reaches out to you offering help with setting up Apple Pay or completing a transaction, be sure to verify their identity before proceeding. Scammers often pretend to be representatives from Apple Pay in order to gain access to your personal information.

5. Unusual Fees: Be aware of any fees associated with using Apple Pay, as scammers may try to take advantage of unsuspecting users by charging higher than normal fees.In order to protect yourself from Apple Pay scams, it is important to practice good online safety habits. How can you protect yourself from these scams? Let’s take a look.

How To Protect Yourself on Apple Pay

Those who wish to use Apple Pay to send money to friends or loved ones, or those who want to receive money through Apple Pay can protect themselves from even the most common scam by following these simple steps.

1. Set up a strong password: It is important to create a strong password for your Apple Pay account in order to keep scammers from accessing it. Choose a difficult-to-guess combination of letters, numbers, and symbols.

2. Enable two-factor authentication: Two-factor authentication adds an extra layer of security by requiring you to verify your identity with a code sent to your device or an authentication app.

3. Turn off auto-fill: Auto-fill can make it easier for scammers to access your information by automatically entering it into fields. To prevent this, turn off auto-fill in the settings of any apps or browsers that you use with Apple Pay.

4. Monitor account activity : It is important to regularly check your account activity to make sure there are no suspicious or unauthorized transactions. If you notice anything out of the ordinary, contact Apple Support immediately.

5. Be cautious with links: Avoid clicking on any links that seem suspicious or unfamiliar, as these could lead to phishing sites or malicious software downloads for fraudulent activity.

6. Trust your gut: If something seems too good to be true, it probably is. Be wary of any offers that sound too good to be true, and never give out personal information in response to an email or text message. Don’t ignore suspicious activity and utilize all security features.

7. Be cautious on public Wi-Fi network: It is best not to use any pay apps on public Wi-Fi.

By following the steps listed above, you can ensure that you are utilizing Apple Pay safely and securely.

Should You Call The Law or Contact Apple Support About an Apple Pay Scam?

It is important to take action if you have been the victim of an Apple Pay scam. Depending on the nature of the scam, you may want to consider both contacting Apple Pay Support and filing a report with local law enforcement.

If the scam involves unauthorized access to your account information , such as your name, address, or credit card number, you should contact Apple Pay Support first. They can help you secure your account and protect your personal information.

If the scam involves actual money being stolen from your account, it is important to report the crime to local law enforcement immediately. You will need to provide evidence of the theft in order to press charges.

How to Use Apple Pay to Send Money

Apple Pay makes it easy to send money quickly and securely. Here are the steps to use Apple Pay for sending money:

  • Open the “Wallet” app on your iPhone or iPad.
  • Tap the “Apple Pay” icon in the top-right corner of the screen.
  • Select “Send Money ” from the options at the bottom of the screen.
  • Enter the amount you want to send and the recipient’s Apple ID or email address.
  • Select a payment method (e.g., credit card or debit card).
  • Confirm your payment by tapping “Send Money” and entering your Apple ID password or TouchID .
  • Your recipient will receive a notification that you have sent them money and can access it using their Apple Pay account.

How to Use Apple Pay to Receive Money

Receiving money or request for payment using Apple Pay is just as easy as sending money. Here are the steps to use Apple Pay for receiving money:

  • Open the “Wallet” app on your iPhone or iPad.
  • Tap the “Apple Pay” icon in the top-right corner of the screen.
  • Select “Request Money ” from the options at the bottom of the screen.
  • Enter the amount you are requesting and the sender’s Apple ID or email address.
  • Confirm your request by tapping “Request Money” and entering your Apple ID password or TouchID.
  • The sender will receive a notification that you have requested money and can access it using their Apple Pay account.
  • Once they have sent you the money, you will receive a notification that the payment has been completed and can access it using your Apple Pay account for an easy payment option.

Do We Recommend Using Apple Pay?

According to their marketing, Apple Pay is a secure and convenient way to make payments and transfer money quickly and safely. The app uses state-of-the-art security measures such as two-factor authentication, biometric authentication, encrypted data transmission, and tokenization technology to ensure that your financial information is always safe.

Additionally, with the ability to send and receive money, Apple Pay is a great way to quickly and conveniently transfer money between friends and family. But would we recommend using it?

If the user has followed the tips and instructions included in this article, then we would recommend using Apple Pay to make payments and transfer money. While there are Apple Pay scams which can cause some risk, taking the necessary precautions can help protect you from becoming a victim.

In summary, it is important to be aware of the signs of an Apple Pay scam and take steps to protect yourself. Be sure to regularly check your account activity for any suspicious or unauthorized transactions, and turn off auto-fill in any apps or browsers that you use with Apple Pay.

Additionally, use a strong password and enable two-factor authentication on your account to further secure it against scammers. Finally , if you do become the victim of an Apple Pay scam, make sure to contact both Apple Pay Support and local law enforcement.

bryan rucker writer for romancescams
Written by Bryan Rucker

Brian Rucker writes about all things related to online dating and lifestyle. He has written hundreds of articles, specializing in online dating scams, and has written other fun and exciting topics in the online dating space. Read more of Bryan's articles.

Other Related Articles