Though rare, sometimes Apple Pay will automatically open up when presenting your phone to a device that utilizes NFC, such as the Kisi Reader. This is a known issue on Apple's end that they have not yet fixed, and can be rather annoying when it happens. While there is no permanent solution to this problem, there is a workaround that prevents Apple Pay from opening when your phone is locked.
Below are the steps to use this workaround:
- Open your iPhone's "Settings" app.
- Tap on "Face ID & Passcode".
- Authenticate with your face ID or passcode, and then scroll down to the section "Allow Access When Locked" and set "Wallet" to disabled
This should now prevent Apple Pay from opening when scanning your iPhone at the reader, as long as the phone is locked.