I have the same experience as @TomSawyer, when a retailer supports NFC payments, but doesn't specifically support Apple Pay, it's hit or miss if it will require

I have the same experience as @TomSawyer, when a retailer supports NFC payments, but doesn't specifically support Apple Pay, it's hit or miss if it will require a PIN # or not for debit card transactions. For Credit Card transactions it doesn't always require a signature, but it does sometimes. The retailer doesn't know what account, but the bank DEFINITELY does know.