Sorry to bump an old thread but it seemed more appropriate than starting a new one...
We recently went to Disney World. My debit card started working with Apple Pay just a week or two before. I've been using it fine elsewhere but while we were at Disney it kept popping up a message that says "use passcode" any time I'd go to pay. Seems like it should then pull up the keypad for me to punch in the passcode on my phone but it didn't (at least not automatically). Wasn't sure what to do at that point so I'd get frustrated and just pull out my card. Any ideas? I'm sure it's something simple.
Are you saying your passcode for the phone or like pin number?