It’s a little unclear, but I seem to remember reading places that accept “Apple Pay” rather than just general NFC are supposed to be exempt from the limit (diff

It’s a little unclear, but I seem to remember reading places that accept “Apple Pay” rather than just general NFC are supposed to be exempt from the limit (different back ends), but it’s super-unclear when you can do this so always easier to assume you can’t than look like an idiot.