They may tell you there is nothing they can do since it’s not like an actual credit card. First I’ll say, I NEVER pay with anything other than a credit card unless I’m willing to lose that money in a scam.
BUT I did you Zelle once, it’s not Apple but the exact same principle. The money comes outof your bank account just like using a debit card.
Unfortunately I was scammed and never received what I ordered. I did receive a request for an additional $325 from another scam company, disguised at a shipping company. At that point I knew it was a scam and did not pay the additional $325. I called the bank where are use Zelle and explain to them what had happened. They do have a department to deal with the scams. Although it was not as quick and easy as filing a dispute with a credit card company, I still got my money back. I don’t know if the bank just gave me my money back as a goodwill gesture , or if they were able to retrieve the money from the other person too. Either way, unless it’s a friend for minimal amount of money, I would never use any of these pay apps nor would I ever use a debit card. If you’re doing business with a legitimate company, they will accept a credit card if you’re doing business with a company, who request any other type of payment, there’s a possibility they are a scammer, and I would do some investigating prior to paying them or doing business with them.
