Pay with Passcode option
How do you turn off the option of having to “Pay with Passcode”?:
iPhone 11 Pro Max
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Settings > FaceID and Passcode > Apple Pay [Disable]
This will disable FaceID for Apple Pay and will require you to enter the passcode instead.
If you're in Japan
Let the cashier know if you're paying with Suica, PASMO, iD, or QUICPay. Simply look for the logo on your card in Wallet. To use the Suica or PASMO card that's set as your Express Transit card, simply hold the top of your iPhone near the reader.