[jonathanlydall]

I’ve used ApplePay on CC machines which were clearly made before ApplePay even existed.

I’m pretty sure that the limit amount before PIN verification is required is embedded in the NFC, or checked online or something. Both my credit cards have limits of R500 (~26USD) after which it requires I enter my PIN after tapping it.

For one of my credit cards I’m able to pay it off with my other credit card and I have in the past tapped my iPhone to do so for payments over R50,000 (~2600USD), I don’t think there’s a limit.

However, the biggest grocery retail chain here initially had a very annoying “custom” rule on their CC machines where it would ignore the card limit and insist on asking for PIN for any payments over R500, which would cause ApplePay tap attempts to auto decline, they eventually fixed this.

The out of country issue sounds like a configuration issue with your bank or that particular merchant. My cards by default disallow use out of country and I’ve never had an issue tapping anywhere with ApplePay.