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Apple Pay phish uses fake support calls to steal payment details
It started with an email that looked boringly familiar: Apple logo, a clean layout, and a subject line designed to make the targetβs stomach drop.
The message claimed Apple has stopped a highβvalue Apple Pay charge at an Apple Store, complete with a case ID, timestamp, and a warning that the account could be at risk if the target doesnβt respond.β
In some cases, there was even an βappointmentβ booked on their behalf to βreview fraudulent activity,β plus a phone number they should call immediately if the time didnβt work.β Nothing in the email screams amateur. The display name appears to be Apple, the formatting closely matches real receipts, and the language hits all the right anxiety buttons.
This is how most users are lured in by a recent Apple Pay phishing campaign.
The call that feels like real support
The email warns recipients not to Apple Pay until theyβve spoken to βApple Billing & Fraud Prevention,β and it provides a phone number to call.β

After dialing the number, an agent introduces himself as part of Appleβs fraud department and asks for details such as Apple ID verification codes or payment information.
The conversation is carefully scripted to establish trust. The agent explains that criminals attempted to use Apple Pay in a physical Apple Store and that the system βpartially blockedβ the transaction. To βfully secureβ the account, he says, some details need to be verified.
The call starts with harmlessβsounding checks: your name, the last four digits of your phone number, what Apple devices you own, and so on.
Next comes a request to confirm the Apple ID email address. While the victim is looking it up, a real-looking Apple ID verification code arrives by text message.
The agent asks for this code, claiming itβs needed to confirm theyβre speaking to the rightful account owner. In reality, the scammer is logging into the account in real time and using the code to bypass two-factor authentication.
Once the account is βconfirmed,β the agent walks the victim through checking their bank and Apple Pay cards. They ask questions about bank accounts and suggest βtemporarily securingβ payment methods so criminals canβt exploit them while the βApple teamβ investigates.
The entire support process is designed to steal login codes and payment data. At scale, campaigns like this work because Appleβs brand carries enormous trust, Apple Pay involves real money, and users have been trained to treat fraud alerts as urgent and to cooperate with βsupportβ when theyβre scared.
One example submitted to Malwarebytes Scam Guard showed an email claiming an Apple Gift Card purchase for $279.99 and urging the recipient to call a support number (1-812-955-6285).
Another user submitted a screenshot showing a fake βInvoice Receipt β Paidβ styled to look like an Apple Store receipt for a 2025 MacBook Air 13-inch laptop with M4 chip priced at $1,157.07 and a phone number (1-805-476-8382) to call about this βunauthorized transaction.β
What you should know
Apple doesnβt set up fraud appointments through email. The company also doesnβt ask users to fix billing problems by calling numbers in unsolicited messages.
Closely inspect the senderβs address. In these cases, the email doesnβt come from an official Apple domain, even if the display name makes it seem legitimate.
Never share two-factor authentication (2FA) codes, SMS codes, or passwords with anyone, even if they claim to be from Apple.
Ignore unsolicited messages urging you to take immediate action. Always think and verify before you engage. Talk to someone you trust if youβre not sure.
Malwarebytes Scam Guard helped several users identify this type of scam. For those without a subscription, you can use Scam Guard in ChatGPT.
If youβve already engaged with these Apple Pay scammers, it is important to:
- Change the Apple ID password immediately from Settings or appleid.apple.com, not from any link provided by email or SMS.
- Check active sessions, sign out of all devices, then sign back in only on devices you recognize and control.
- Rotate your Apple ID password again if you see any new login alerts, and confirm 2FA is still enabled. If not, turn it on.
- In Wallet, check every card for unfamiliar Apple Pay transactions and recent in-store or online charges. Monitor bank and credit card statements closely for the next few weeks and dispute any unknown transactions immediately.
- Check if the primary email account tied to your Apple ID is yours, since control of that email can be used to take over accounts.
We donβt just report on scamsβwe help detect them
Cybersecurity risks should never spread beyond a headline. If something looks dodgy to you, check if itβs a scam using Malwarebytes Scam Guard, a feature of our mobile protection products. Submit a screenshot, paste suspicious content, or share a text or phone number, and weβllΒ tell you if itβs a scam or legit. Download Malwarebytes Mobile Security for iOS or Android and try it today!
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Data and computer security | The Guardian

- A Victorian schoolteacher was applying for βheaps of rentalsβ online β then someone accessed his bank account
A Victorian schoolteacher was applying for βheaps of rentalsβ online β then someone accessed his bank account
Michael suspects personal information he submitted to rent application platforms was leaked online. And analysis shows millions of documents may also be at risk
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Michael* has spent the past two months trying to get his digital identity back.
The 47-year-old Victorian schoolteacher was in the process of moving to a new town and applying for rental properties online. Around this time β and unbeknown to him β his mobile phone number was transferred to someone else.
Continue reading...
Β© Composite: Getty Images

Β© Composite: Getty Images

Β© Composite: Getty Images
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