I have been charged by TFL for arriving at Gatwick from my overground rail journey. I tapped my electronic ticket but received a charge, presumably via Apple Pay. The security guy saw this and told me I needed to contact my bank. Help!
Speak to TFL
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Monzo would need to know that youāve done everything possible to get the charge refunded. Youād have to contact TfL to inform them of the charge been taken in error, theyāll likely just reverse it once theyāve checked systems etc etc.
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Pop onto contactless.tfl.gov.uk to dispute it. You donāt need an account if it was within the past 7days.
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TfL are actually pretty good at refunding charges in my experience. Speak to them and they might sort you out pretty quick.
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Thanx for the good advice guys ā¦ have contacted TFL so fingers crossed 
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Iām not sure there is a ātappableā electronic ticket that can be installed on a phone. The only ones that Iāve seen are QR or bar code based (canāt remember which) and need to be scanned by a suitably equipped ticket barrier. See National Rail Enquiries -
āTappableā electronic tickets normally need to be installed on a smartcard as far as Iām aware so if you tapped your phone at the barrier then (I believe) TfL might have actually correctly charged you because of that action.
As others have said, theyāre normally pretty good at refunding.
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