Regarding a dispute with a company, I need as much information as possible about a specific transaction. A precise timestamp. I need to prove a transaction made with my iPhone (a reservation on card, not an actual payment, so the exact moment the iPhone was scanned).
Is there a way to retrieve this information somewhere?
[Re-Titled by Moderator]
Original Title: Super detailed Transaction History
iPhone 15 Pro, iOS 18
Apple only sees encrypted data. That’s part of the privacy that Apple Pay offers. The information is basically not traceable back to you. Your bank has the key to decrypt the data, not Apple. Your best bet, in my experience, is to pursue the matter with the bank. They record all information related to your card. So, the issuing bank would know exactly when a hold on funds is placed. This information is critical to the bank in determining when accounts are overdrawn and deposits credited.
Apple only sees encrypted data. That’s part of the privacy that Apple Pay offers. The information is basically not traceable back to you. Your bank has the key to decrypt the data, not Apple. Your best bet, in my experience, is to pursue the matter with the bank. They record all information related to your card. So, the issuing bank would know exactly when a hold on funds is placed. This information is critical to the bank in determining when accounts are overdrawn and deposits credited.
ApplePay is only a small piece of the mechanism used to complete transactions. (Not unlike a Credit Card POS Terminal at a merchant)
Apple isn’t even involved in executing the transaction.
ANY transaction details — beyond what is displayed in your Wallet app — must be obtained from the issuer of the payment method used.
Got it, thanks for the explanation.
The list of permutations of the various transport payment reconciliation methods sometimes seems endless. 😕
Hope you can get it sorted.
I have a hard time believing that the bank doesn’t have access that info. After all, EVERY action in the payments system has a “audit trail.”
This might be a case in which you’ll need to escalate beyond the “Tier 1 CSR.”
FYI … what is - or isn’t - displayed in wallet is determined by the individual issuer.
Which explains why the cards from different issuers can behave differently. (especially in their “activity” sections)
So, an actual transaction was not completed, is that correct? Is it some kind of hold on the card? What are you referring to when you say “exact moment the iPhone was scanned?” iPhones are not scanned as part of a transaction. Was the transaction done in person or online?
Yes, thank you. So, it's a tram ticket validation transaction. In this case, it's a hold at the time of the iPhone scan. The transport company claims I didn't validate, and even though I have proof of purchase, it's listed as a later date on my bank account (since the bank statement shows the actual payment and not the hold).
So, I would need the exact timestamp of the hold (which I can't get from my bank, so maybe the information is hidden somewhere in the iPhone :)
Is this possibly the sort of ticket which is first purchased in advance of the ride (often online or from a kiosk; presumably w/ a your wallet payment method) …
… but then requires “validation” when actually used ? (often done via an app provided by the transport operator)
How was the “validation” step in-question performed?
On public transport I pay via contactless in the vehicle (so Wallet ApplePay, not via the public transport app).
The bank temporarily puts the maximum daily rate on hold in the bank account. And you only pay for the journeys you have made. The difference will be returned to the account at the latest 2 to 3 working days after the first validation.
So, my proof of purchase is for now a day after I actually validate my ticket. I need exact timestamp to the minute for the time I make this contactless validation.
Indeed. So far, I've only had contact with the bank at very low levels, and they've offered me absolutely no assistance on this matter.
Which is why I'm also thinking there's probably a log of this somewhere on ApplePay's side.
Yes, I understand, and I'm trying to contact someone competent at the bank. But I'm surprised I don't see any information about this specifically in the wallet's history.
How can I retrieve detailed transaction history on Apple Pay?
