In AU/NZ think the default limit is like $75–$150, depending on the type of shop? With Apple/Google/etc Pay in AU/NZ, the same limit seems to apply as with chips.

Above the limit, with Apple/etc Pay, I usually need to sign and have the card physically on you if the merchant asks for it. I think even my Paywave card requires a signature if used via Google Pay, but a Pin without, but I almost never use that one for large transactions.

Above the limit with Paywave/Chip/etc would make you enter your pin (and you already have the card on you).

If you're paying for expensive things, Apple/Google/etc Pay is a bit worse UX in my experience.