RIchard S.
Disable Apple Pay, or you'll regret it.
I was able to prove that I couldn't ever use the service I was requesting a refund on, and also that this service wasn't as advertise - the app company even agreed I should get a refund - but stated "good luck with getting it back from Apple". Apple pay hides payments, and makes it next to impossible to get a refund. Your best defense is to disabled it.


