When do I need to authenticate (i.e. password, fingerprint, pattern, etc.) a payment transaction?

Any payment transaction under $250 and below the cumulative total of $400 does not require authentication. You simply need to "wake" the device and hold phone over the terminal for payment.

In order for a payment transaction over $250 and above the cumulative total of $400 to be completed, authentication (i.e. password, pattern, fingerprint, etc.) will be required, and the device must have been unlocked within the last three (3) minutes for POS (point of sales) or 10 minutes for in-app transactions.