Let's be clear, you don't really 'cancel' Apple Pay. It's a free service from Apple, launched in 2014, that just processes payments. What you're probably trying to do is cancel a subscription you paid for using your Apple account. Maybe you signed up for a free trial to watch the latest season of Ted Lasso and forgot about it. It happens. This guide will show you how to stop those recurring charges, which can range from $0.99 to over $99.99. We'll cover how to do it on iOS and desktop, potentially saving you up to $1200 a year on subscriptions you don't even use.
How to Cancel Apple pay Subscription on iOS (iPhone & iPad)
Canceling a subscription on your iPhone or iPad is probably the most common way to do it. It's all handled through your Apple ID settings, not the Apple Pay wallet itself. It's a few taps away, but the menu can feel a little buried.
1 Open the Settings App
This is where everything starts. Just find the gray gear icon on your home screen.
2 Tap Your Apple ID
Tap on your name and profile picture right at the very top of the Settings screen. It's the first thing you see.
3 Select 'Subscriptions'
Look for 'Subscriptions' in the list. If you have a lot of Apple services, you might have to scan for it. I had to look twice myself because they seem to move it every other year.
4 Find the Subscription to Cancel
You'll see a list of all your active and expired subscriptions. Find the one you want to get rid of and tap on it. Sometimes this page takes forever to load, so just be patient.
5 Tap 'Cancel Subscription'
Scroll to the bottom. You should see a red 'Cancel Subscription' button. If you don't see it, you might have already canceled it, or it's managed through the provider's website, not Apple. Tap that button.
6 Confirm the Cancellation
A pop-up will ask you to confirm. It will also tell you when your access will end. Go ahead and confirm. Done.
How to Cancel Apple pay Subscription on Desktop (macOS)
If you're on a Mac, the process is a bit different. You won't use System Settings; instead, you have to go through the App Store. It's not super intuitive, but here's how to get it done.
1 Open the App Store
Find the App Store icon in your Dock or Applications folder. It's the blue one with the 'A' made of lines.
2 Click Your Name
Look for your name or profile icon in the bottom-left corner of the App Store window and click it.
3 Go to 'Account Settings'
At the top right of the main window, you'll see 'Account Settings'. Click on that. You'll probably have to enter your Apple ID password here. Annoying, but necessary.
4 Find and Click 'Manage' Subscriptions
You have to scroll all the way down this page. It feels hidden on purpose. Under the 'Manage' section, you'll find 'Subscriptions'. Click the 'Manage' link next to it.
5 Click 'Edit' on the Subscription
A list of your subscriptions will pop up. Find the one you want to cancel and click the 'Edit' button next to it.
6 Click 'Cancel Subscription'
Finally. Click the 'Cancel Subscription' button. A Reddit user said this felt like a maze, and honestly, they're not wrong. Confirm your choice, and you're free.
Cancel Apple pay Subscription with live chat
If you're stuck, you can contact Apple Support. Go to the getsupport.apple.com website. From there, choose 'Billing & Subscriptions' and then 'Subscriptions & Purchases'. You can usually start a chat session from there. Be prepared to wait a bit, especially during peak hours.
Cancel Apple pay Subscription with phone
You can call Apple Support at 1-800-MY-APPLE (1-800-692-7753). When you call, you'll likely go through an automated system. Say 'billing' or 'subscriptions' to get routed to the right department. Have your Apple ID ready.
Before you cancel, know this: Apple generally does not offer prorated refunds. If you cancel, your subscription will remain active until the end of the current billing cycle you've already paid for. Also, canceling the subscription through Apple doesn't delete your account or data with the actual service provider. You'll have to manage that separately on their website.
Apple pay Plans and Pricing 2025
Apple Pay itself is free to use. There are no plans or fees. However, it's the payment method for countless app subscriptions, which have their own pricing structures. Here’s a typical example of what you might see from a service you subscribe to through Apple:
| Plan | Price (Monthly) | Details |
|---|---|---|
| Basic | $9.99 | Standard definition, 1 screen, limited features. |
| Standard | $15.99 | High definition (HD), 2 screens, full feature access. |
| Premium | $22.99 | Ultra HD (4K), 4 screens, includes offline downloads. |
Your actual subscription costs will vary depending on the specific app or service.
Frequently Asked Questions about Apple pay
Can I unsubscribe from Apple Pay anytime?
Can I get a refund from Apple Pay if I forgot to cancel?
How do I know my Apple Pay subscription is cancelled?
How long does it take for Apple Pay to cancel?
What else should I know before I cancel my Apple Pay subscription?
How do I raise a complaint to Apple Pay?
Rachel Adams
Technology & Software Editor
Rachel Adams is the Lead Tech & App writer at Pine AI, where she decodes the complexities of the digital software landscape. With over eight years of experience as a software reviewer and tech journalist, her work focuses on the security, usability, and subscription models of popular apps and SaaS platforms. Rachel's insights empower consumers to make informed decisions, avoid predatory billing, and select software that genuinely adds value.
