Any transaction that puts you over your daily limit will require hardware device approval to proceed. Once you have exceeded your daily limit, subsequent transactions will require hardware device approval. Transaction spend that counts towards your mobile transaction limit resets daily at 3 am local time (4 am if your local time zone observes daylight savings). As soon as this reset occurs, you will be able to make Mobile Pay transactions again, so long as you stay below the daily Mobile Pay transaction limit that you set.