Apple Pay glitch makes some pay double (but refunds are on way)


A war for mobile wallet dominance is on the horizon. Apple Pay. Photo: Jim Merithew/Cult of Mac
Some Apple Pay users are reporting duplicate charges on their bills. Photo: Jim Merithew/Cult of Mac

If you’ve been happily tapping up charges with your iPhone 6 using Apple Pay, you might want to double-check your bank statement.

Some early Apple Pay users with Bank of America accounts have reported that Apple’s new tap-to-pay solution has become a huge headache by charging their accounts twice for a single purchase. Bank of America has confirmed to Cult of Mac that it is issuing refunds for duplicate Apple Pay charges.

“We apologize for this inconvenience,” Bank of America representative Tara Burke told Cult of Mac. “We’re correcting this issue immediately.” She also assured us that “all duplicates will be refunded” to Apple Pay customers.

It’s a disconcerting glitch for Apple, whose widely watched foray into mobile payments is seen as the best hope yet for making tap-to-pay commonplace. Cupertino has hammered out deals with several top banks and hundreds of retailers to support Apple Pay, and the service is set to work with the upcoming Apple Watch as well. However, while smartphone payments have been around for years, competing platforms like Google Wallet haven’t taken off.

The Apple Pay problem came to light when angry customers took to Twitter and Reddit after finding the duplicate charges on bank statements. CNN reporter Samuel Burke said he saw Apple Pay double-dipping into his bank account.

His story about trying to get the situation sorted out sounded frustrating to say the least, with one of Apple’s key security measures actually working against him as he tried to resolve the bogus charges.

“Bank of America transferred me to Apple Pay customer support,” Burke wrote. “The only problem: Apple’s representative reminded me that for security’s sake — as promised — Apple keeps no records of names or amounts for any of the transactions. That meant there’s nothing Apple could do, the representative told me. So Apple told me to call Bank of America. It was every consumer’s worst nightmare: customer service for two companies telling you to call the other.”

Burke reports that he eventually got the charges refunded once Bank of America noticed they were obviously duplicate charges. Other customers haven’t had as easy a time getting refunds, but Bank of America says it’s working on a fix.

Apple Pay launched Monday with the release of iOS 8.1, allowing iPhone 6 and 6 Plus users to pay for items at brick-and-mortar stores by tapping their devices to an NFC terminal. The launch wasn’t without its glitches, as some Apple Pay-supporting apps had problems processing payments.

After checking our non-Bank of America accounts, Cult of Mac staffers haven’t found any double charges. From what we’ve seen, it appears that the Apple Pay customers reporting problems used Bank of America debit cards.

We’ve asked Apple for comment on whether this is an Apple Pay glitch or a Bank of America problem processing the new transactions, but haven’t received a response.

  • Michael Superczynski

    Before anybody starts trolling, this is not an unusual for a new technology such as Apple Pay. The bank is stepping up and making things right. Between the bank and Apple, this bug will be corrected. Nothing to see here.

  • eggimage

    Dang it, BofA! Get your cards together!

    • PaulMo

      I hear you. I use BofA as well but haven’t tried Apple Pay as of yet; even though both my Debit and CC are now verified for Apply Pay.

  • zeekfizz

    An  glitch. Link bait as usual. One bank has an issue. I think we know where the problem lies.

    • ChrisMasterSgt

      This headline is absolutely terrible.

      • BusterH

        how is it terrible? Apple Pay customers using Bank of America experienced a glitch that charged them twice for purchases. Only happened when they used Apple Pay.

  • PeaceInMyTime

    Love how BofA blames Apple, yet says it’s working on a fix.

    I used Pay with American Express and had no problems. Further I haven’t heard of any problems with Pay through any other card issuers. Please explain how this is an Apple problem.

  • ChrisMasterSgt

    No double-dipping problem with my BofA credit transactions via Apple Pay, so far. But I couldn’t use AP at Office Max.

  • Aannddyy

    “Bank of America Glitch Won’t Get Clicks: Media Changes Headline to Apple Pay Glitch, Get’s Clicks”

  • Kevin Kuo

    Why Apple?!? One of the reason I buy your devices is because I love to pay double!

  • DigitalBeach

    BofA is a shitty banking institution… why do people still bank with those fucks?

  • Roxy Balboa

    BofA is for losers

  • evargas

    As it is normal for new technology to experience glitches, I feel that money and your finances are not things you should put in “harms way.” I have never been comfortable with using anything but cash or my debit card for payment purposes. I would never store any of that information in my device either. It would simply put too much at risk.

  • citizen

    Lying “hit-whores!” Bank of America had faulty software. Apple has no problem with using Apple Pay and Master Cards. Stop the click-bait stupid non-reporting; give us real and truthful news.

  • Richard Liu

    Bank of America had admitted it’s their fault:

    “…which happened between the bank and at least one payment network and did not involve Apple,”

    IMO, the explosive amount of transactions due to Apple Pay is the main reason behind BofA’s glitch.

  • vicrules

    man that’s so cool, I might get a shitty i phone… but ill get the 6 plus so it can bend at the same time as i get ripped off by apple.