Chip and PIN verification on contactless only terminals

Public transport in my town now allows you to pay via contactless (at last!), however their is no functionality on these terminals to enter a PIN.

So what happens when I’ve spent £100 via contactless? i’m presuming my payment will be declined as theirs no way to enter a pin?

With that in mind will Monzo warn me when i’m close to £100 and when contactless has been disabled?

I know Monzo have to do SCA, however I can see this been an absolute pain if I have to go buy something with Chip and PIN, just so I can then make a contactless payments to get home.

Granted I usually do have some cash on me, however I can see this catching a lot of people out sooner or later.

Covered here?