There can be additional option in debit card on app to manually switch off the tap & go feature, which do not required pin to get enter.
This will allow user to fall in pray of some misuse of this feature.
Plus,
There can be a option of manually adding limit of tap & go .
As for right now we need to drag the key to set limit, & in my app its directly showinv 15k , but i wanted to set it at 2k.
As @Aswin_Benny mentioned, yes. You can disable tap and pay in the app.
Head over to card settings > Advanced > Manage transaction settings > You will see two + signs. They are actually drop downs > Tap on domestic transactions > Contactless payments (Toggle for on/off)