Standard Bank won't reimburse ***** on my Credit Card

On the 23rd November 2022 in the evening I received a call from standard bank with number ***(their ***** department) alerting me about a transaction that has been made on my card and i told them i was home with my card and phone and i did no such transaction. They then told me that they would open a case for me.

Yesterday I received a letter from the bank saying that they will not reimburse because i authorised this with an OTP on my number. They called me first because they noticed this ***** but they saying it’s not. I have apple pay activated and the bank is saying they do not reimburse ***** that is related to apple pay because i activated apple pay so i should take accountability. I fail to understand why this is my fault because the ******* used money above mt lim and the bank allowed it.