If a transaction requires the customer to use their PIN, due to a rando pm security check, or the transaction exceeding the merchants floor limit (£20 or £30) does the physical card need to be present, or does the Apple Pay NFC version suffice? If the physical card has to be present this is a major let for me, as I have already uploaded three cards to Apple Pay, and see a major advantage in NOT having to carry the cards anymore..
