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Do I need to use my card PIN with Apple Pay?

In some cases, you may be prompted to enter your physical card PIN at the merchant terminal when using Apple Pay in store; for transactions over $200*, when processing refunds or taking cash out.

Things you should know

* As at 7 April 2020, the Apple Pay transaction limit has been temporarily increased from $100 to $200. This is a temporary increase, that is being progressive rolled out, and will be only available on certain cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the Apple Pay limit is part of an industry-wide response to help reduce the spread of COVID-19.