Apple Pay text scam: is that message real?
Editorially reviewed · Last updated June 16, 2026
Yes — this is a scam. Apple doesn't text you links to "cancel" or "verify" an Apple Pay charge.
Other versions you might get: A text saying "Your Apple Pay has been suspended," a code to "confirm" a payment you never made, or a fake refund for a charge that was "declined."
What to do right now
- Don't tap the link or call any number in it. Don't reply — even "STOP" tells them the number is live.
- Check the real source yourself. Open Wallet on your iPhone to see actual Apple Pay activity, or sign in at apple.com by typing the address — your real charges live there, not in a text.
- If you already entered card or Apple ID details: change your Apple ID password, turn on two-factor, and call your bank to freeze or reissue the card.
- Report it. Forward the text to 7726 (SPAM), then file at reportfraud.ftc.gov.
- Delete the message.
How to make sure it never bites you
You got this because your number is on a list scammers buy and resell — a real Apple Pay charge never arrives as a text with a link. Get your number removed and add a layer between you and them — see how to stop spam texts for good.
Help protect someone else
Scams spread because people stay quiet about them. If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. Passing it on is the easiest good thing you'll do today. It's safe to forward, and stands on its own as a record for a bank or the police.