You need to put in your pin in the Wallet app, to unlock it. You can do this while in line, by default it stays unlocked for 5 minutes. If the screen turns off before you use it, you don't need to go back in the app within the 5 minutes, just unlock the phone, and you are good to go. You are looking for a pay pass keypad usually. The top section of the keypad will have the nfc reader, just touch your phone to the top section, and should see it processing quickly after that.
I just put my phone next to the card reader and it pulls the wallet up and prompts your pin.... The only thing you need to do is turn your screen on... No need to enter your pin before hand
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