How can a customer enter a PIN with Tap to Pay on iPhone?

How can a customer enter a PIN with Tap to Pay on iPhone?

You can use Tap to Pay on iPhone to accept contactless payments that require customers to securely enter their PIN to confirm a payment. 

The PIN entry screen is automatically prompted based on the customer’s card, the transaction amount and the specific merchant configuration.

PIN is a cardholder verification method (CVM) and can be triggered in the following situations: 

• When the shopper pays with a physical card (not with a digital wallet such as Apple Pay) 
• When the transaction is above the CVM limit (this varies per payment method and per country/region) 
• When the transaction exceeds a cumulative amount of transaction counter limit (this varies per payment method and per country/region) 

If PIN is triggered after customer presents card:

1. The customer enters their PIN and taps the green tick to submit
2. Only once approved green check mark appears, the payment is complete

Some contactless cards are not able to complete contactless transactions using PIN. If this occurs, a “Declined” message will be shown on the iPhone screen. Simply follow the steps below: 

1. Ask customer if they have a different card or a digital wallet
2. If not > use different in-store method (ex: payment terminal)

Accessibility options

You can also enable the PIN entry accessibility mode for customers that need it by tapping “Accessibility Options” on the PIN screen. 

The Accessible PIN entry mode will read out the instructions over the iPhone speaker to the customer. Reference instructions in text are also provided on-screen for you.

1. When customer is asked for PIN > click “Accessibility Options”
2. This mode will read out the instructions over the iPhone speaker to the customer
3. Instructions will also appear on screen 
4. Customer enters PIN based on instructions
5. Only once approved green checkmark appears, the payment is complete