I just found out that there may be delays with Apple Pay purchases. Is there a way to find the exact date of purchase (NOT when Apple pay got around to processing it)? I have a charge I wasn’t expecting which came several days after I left a negative but true comment on a vendor page. There is also a charge I did expect from several days before that one.
[Re-Titled by Moderator]
Original Title: Exact date of purchase
iPad Pro
I’m assuming a vendor is not Apple, but another company or organization.
Apple Pay is a service. Apple is not a bank and does not approve or decline a transaction. When you initiate an Apple Pay transactions, your iPhone (device) transmits encrypted data to through the merchants terminal and the merchant subsequently transmits the data through their credit card processor, through the Payment Network Operator (PNO), and lastly through your bank for approval.
Merchants can hold a transactions for a few days, but generally in my experience, no more than 5 days before submitting the charges to the bank. Unless the merchant requests a hold such as when a debit card is used, the charge will not appear in your card/bank transactions.
Part of the privacy Apple Pay offers, means Apple is not aware of your transactions because the data is transmitted directly from your iPhone to the merchant.
I’m assuming a vendor is not Apple, but another company or organization.
Apple Pay is a service. Apple is not a bank and does not approve or decline a transaction. When you initiate an Apple Pay transactions, your iPhone (device) transmits encrypted data to through the merchants terminal and the merchant subsequently transmits the data through their credit card processor, through the Payment Network Operator (PNO), and lastly through your bank for approval.
Merchants can hold a transactions for a few days, but generally in my experience, no more than 5 days before submitting the charges to the bank. Unless the merchant requests a hold such as when a debit card is used, the charge will not appear in your card/bank transactions.
Part of the privacy Apple Pay offers, means Apple is not aware of your transactions because the data is transmitted directly from your iPhone to the merchant.
Go to the website of the credit card you used to pay with Apple Pay and see if that information is available. In most cases it is likely not available, only the processing date. If you used an Apple Card Mastercard with Apple Pay what you want may not be possible.
Apple Pay does not delay processing, the credit card companies do.The charge remains pending until it is released, usually a day or two.
I made a transaction with a vender, then 4 or 5 days later I saw another transaction in my Apple pay history which I was not expecting. On another website a few weeks ago I had seen a comment re: Apple Pay isn’t instant. I’m trying to find out when the unexpected transaction allegedly occurred.
I’ve been using Apple Pay for many years but I wasn’t aware until recently that there could be processing delays/delays in posting charges.
Are you referring to charges from Apple for purchases on Apple App Store, iTunes Store or subscriptions?
Are the charges from another merchant and show as pending?
How can I search for the exact date of purchase in Apple Pay?
