In reply to Philip Cohen.

Hi Philip,
Nope, I mean contactless payments (think Visa payWave or MasterCard PayPass) with scheme debit cards. We tap our cards on terminals, no PIN needed up to $100. If >$100, enter your PIN. No swiping or inserting. This is for POS payments, no phone.
Even when I tap my NFC-enabled mobile phone on the terminal, I don't have to enter my PIN on the terminal. When I register my scheme debit card in my phone app, I enter my card details (including PAN, CVV, expiry, PIN) but don't enter my PIN on the terminal thanks to tokenisation.