I have had that happen in the US with Android pay.
In most countries in Europe, there is a maximum allowed amount for contactless cards - not sure if going over the amount (currently 30 UKP in the UK) means a rejection, or a PIN request.
I have used my Android Pay in Europe on the restaurant machines and the staff has been surprised that the transaction went through even though it was over the contactless limit. I assume this is because Android and Apple Pay have additional authentication on the phone side as you have to periodically enter a PIN or fingerprint on the phone. Thus while a contactless card that is lost/stolen is usable by anyone that has the card, there is no such danger with Apple Pay/Android Pay.
I have also found on occasion that restaurant staff is surprised that Android/Apple Pay works at all on their machines. I suspect this is because these methods were introduced more recently there.
Originally Posted by
livebetter_travelmore
I've also encountered the situation where a merchant had a terminal where I inserted the card for chip authentication, and after successfully entering the PIN, the terminal additionally required I sign. That sequence has been very rare; maybe one or two places (in the US). Ditto for Apple Pay; actually more common. That is, after using Apple Pay, I've also had to sign. I've read that some places impose a $ limit which when exceeded while using Apple Pay you're prompted to sign. That limit does not appear so far to me set by the card issuer as I have had relatively small purchases in the US, like just over $50, require signature, but then others over a $1000 where signature was not required while using Apple Pay.