The new $200 PIN limit will automatically be applied to payments made in store using your mobile phone with Apple Pay, Google Pay or Garmin Pay. You will not have to make any changes to the existing card details on your phone. You may have noticed that some terminals already don’t ask for a PIN. This is because some terminals are set up to know your mobile has identified you using your fingerprint or face ID, and don’t then require a PIN for any limit. That will continue at those terminals.