Is that with your phone perhaps? With those there is no pin needed because you already authenticate on the phone itself. I don't have to with Samsung Pay either.

But on the card itself I have to above €75 (or after transactions accumulating to that amount)

Is this a US issued card by any chance? The issuing country/bank determines whether a PIN can/must be used.

Mobile wallet based payments also don't need one, usually (since authentication already happens on the customer's device).

In France, contactless has a legal limit of 50€. (It used to be 25€ before covid, but they tried to incentivize contactless to reduce well... contacts)

There's also generally a limit over the volume and the amount of consecutive payments, so that if someone steals your card, they won't be able to spend huge sums with contactless. It is set by your bank though

Even when paying with a phone though? Here there is a similar limit with cards but with my phone it works (Samsung Pay). And I never have to enter a PIN either, I assume this is because I have to authenticate on the phone for every payment (biometric or separate PIN).

But I haven't been to France since I got Samsung Pay so I haven't had the chance to try it out. Here in Spain it works with any amount. Well, up to a few hundred anyway, I haven't bought anything over 1000 in ages :)

I had simply assumed it would be the same, but after a bit of research, on the phone, the legal limit is way higher (300€). It does require a pin code above 50€ though