Stop a recurring payment by finding it in your Wallet settings
To stop a recurring payment on Apple Pay, open the Wallet app on your iPhone or iPad, tap the card you use for that payment, scroll down to "Recurring Payments," find the subscription or bill you want to stop, and tap "Remove." The payment stops when ready — you will not be charged again.
The exact wording and location vary slightly depending on whether you use an iPhone or iPad, and which version of iOS or iPadOS you have. The steps below work on current versions, but if your screen looks different, your device may need a software update first.
Key Takeaways
- Recurring payments you set up through Apple Pay appear in your Wallet app under the card you used, not in a separate Apple Pay settings menu.
- Tapping "Remove" stops the payment with Apple Pay, but you may still need to contact the company directly if they bill you another way.
- If you cannot find the payment in Wallet, the company may not be billing through Apple Pay — check your bank or credit card statement instead.
- Removing a payment from Wallet does not cancel your account or service with that company; it only stops Apple Pay from processing the charge.
Finding recurring payments in your Wallet app
Open the Wallet app and tap the card you use for the recurring payment. Scroll down until you see a section labeled "Recurring Payments" or "Subscriptions." Not every card will show this section — it only appears if you have set up at least one recurring payment with that card through Apple Pay.
If you have multiple cards in Wallet, you may need to check more than one. Tap each card and scroll down to see which one has the recurring payment you want to stop. Once you find it, the payment will be listed by the company name — for example, "Netflix," "Spotify," or "Your Electric Company."
Removing the payment and what happens next
Tap the recurring payment you want to stop, then tap "Remove" or "Delete." Apple Pay will ask you to confirm. Once you confirm, the payment is removed from Apple Pay when ready. You will not be charged again through Apple Pay.
Removing a payment from Apple Pay does not cancel your account with that company. If you want to stop using their service entirely, you will need to contact them separately — canceling the Apple Pay payment only stops that one method of billing. Some companies may continue to send you notices or try to bill you through another method if you have one on file with them.
When the payment is not in your Wallet
If you cannot find the recurring payment in your Wallet app, the company may not be billing you through Apple Pay. They might be charging your bank account directly, or using your credit card number outside of Apple Pay.
Check your bank or credit card statement to see how the charge appears. If it is listed under the company's name or a payment processor you do not recognize, contact your bank or card issuer — they can help you stop it. You can also contact the company directly and ask them to remove the payment method you gave them.
Stopping a payment on a Mac or Apple Watch
If you set up the recurring payment on a Mac, you can remove it there too. Open System Settings, click "Wallet & Apple Pay," find the card, scroll to "Recurring Payments," and click the payment you want to remove, then click "Remove."
On an Apple Watch, you cannot manage recurring payments directly in the Wallet app. Use your iPhone instead — the change will sync to your watch automatically.
What to do if you see a charge after removing the payment
If you see a charge from the company after you removed the payment from Apple Pay, contact your bank or credit card issuer right away. Tell them the date you removed the payment and the date the charge appeared. They can investigate whether the company billed you through a different method or made an error.
You can also contact the company directly with proof that you removed the payment — a screenshot of your Wallet app showing the payment is gone can help. Many companies will refund a charge made after you removed the payment method if you can show you took action to stop it.
Frequently Asked Questions
Does removing a payment from Apple Pay cancel my subscription?
No. Removing it from Apple Pay only stops that payment method. Your account with the company stays active unless you cancel it directly with them. If you want to end the service, contact the company or log into your account with them and cancel there.
Can I pause a recurring payment instead of removing it?
Apple Pay does not have a pause feature. You can only remove the payment entirely. If you want to restart it later, you will need to set it up again with the company or through Apple Pay.
What if the company keeps charging me after I removed the payment?
Contact your bank or credit card issuer and report the charge as unauthorized. They can dispute it and may refund you. Also reach out to the company to confirm they received notice that you removed the payment method.
Can I remove a payment someone else set up on my device?
Yes, if you have access to the device and can open Wallet, you can remove any recurring payment. However, the person who set it up may notice when the charge stops. If the payment is on a shared family account, check your family settings first.
Why can't I find the Recurring Payments section?
The section only appears if you have at least one recurring payment set up with that card. If you do not see it, either you have no recurring payments on that card, or the company is not billing through Apple Pay. Check your bank statement to confirm how you are being charged.