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It depends on the POS configuration/support of CDCVM (Consumer Device Cardholder Verification Method). If it doesn't support it, Apple Pay/Google Pay is just a regular EMV contactless card from the POS's perspective, so the regular limits apply.

On some POSes, you can get a hint of when the POS either doesn't understand CDCVM or isn't configured to verify it when you tap with Apple Pay/Google Wallet and you get back a "Cardholder Device Not Verified" on the receipt.

Obviously ultimately, even with CDCVM support, it's up to how things are configured, but in the UK at least, every single POS I've seen that returns "Cardholder Device Verified" will let transactions through the same way as if you did Chip+PIN.