Do I need to use my PIN when I pay with my HyperRing?Updated 6 months ago

Using your PIN with your HyperRing depends on several factors, primarily the transaction amount and your bank's security policies:

PIN Requirements

1. Small Transactions:

- For transactions below your country's contactless limit (typically €25-€50 in Europe or equivalent)

- No PIN is usually required

- Simply tap your wearable on the payment terminal to complete the transaction

2. Larger Transactions:

- For amounts exceeding the contactless limit

- PIN is typically required

- Tap your wearable on the terminal, then enter your PIN on the terminal's keypad

- This is the same PIN you use with your physical payment card

3. Cumulative Transactions:

- After multiple consecutive contactless payments without PIN verification

- Many banks require PIN verification periodically as a security measure

- The number of transactions before PIN is required varies by bank

Other Considerations

- Terminal Capabilities: Some older terminals may always request a PIN regardless of the amount

- Bank Policies: Different banks implement different security policies

- International Use: Contactless limits and PIN requirements may vary by country

- First Use: Some banks require PIN entry on the first transaction after connecting your card

Important Notes

- Your wearable doesn't store your PIN - it's entered directly into the payment terminal

- The PIN you use is the same as your physical card's PIN

- You cannot change your PIN through the HyperRing Pay app - any changes must be made through your bank

- If you've forgotten your PIN, contact your bank for assistance