Merchants can enable the pin entry accessibility mode for customers that need it by tapping “Accessibility Options” on the PIN screen.
The Accessible PIN entry mode will read out the instructions over the iPhone speaker to the customer. Reference instructions in text are also provided on-screen for the merchant.
For detailed instructions on using this feature, visit Apple’s Tap to Pay on iPhone FAQ and see “How do I use PIN Entry Accessibility for Tap to Pay on iPhone?”.