If you forget your Wallet PIN, and enter it incorrectly too many times, you will need to reset your phone to its factory settings.
- Create a backup of your phone’s content before doing a reset. On the Start screen, swipe left to the App list, and then tap Settings > backup. If you are using a secured WiFi network, please make sure you have your WiFi password available after the reset.
- Reset your phone, select Settings > about > Reset your phone.
- Wait for your phone to reset, connect to a network, sign in to your Microsoft account and select the backup you created earlier.
- Your phone asks you to verify your identity with a security code. Under How would you like to receive your code, open a list and choose the verification option (text, call or email) and then follow the screen instructions.