diff --git a/static/app.js b/static/app.js
index b8f1e62..9755b5a 100644
--- a/static/app.js
+++ b/static/app.js
@@ -370,18 +370,44 @@ function clearBarSelection() {
   barMember = null;
   document.getElementById('barForm').classList.add('hidden');
   document.getElementById('barAmount').value = '';
-  document.getElementById('barPin').value   = '';
-  document.getElementById('barNote').value  = '';
+  document.getElementById('barNote').value   = '';
+  hidePinOverlay();
   setMsg('barMsg', '', '');
 }
 
-async function doCharge() {
+function hidePinOverlay() {
+  document.getElementById('pinOverlay').classList.add('hidden');
+  document.getElementById('barPin').value = '';
+  setMsg('pinMsg', '', '');
+}
+
+function cancelPin() {
+  hidePinOverlay();
+  // return focus to amount so staff can adjust
+  document.getElementById('barAmount').focus();
+}
+
+function prepareCharge() {
+  if (!barMember) return;
+  const amount = toMinor('barAmount');
+  if (!amount) { setMsg('barMsg', 'Enter a valid amount.', 'err'); return; }
+  setMsg('barMsg', '', '');
+  // populate overlay
+  document.getElementById('pinAmount').textContent =
+    'Charge: ' + fmtAmount(amount);
+  document.getElementById('pinMember').textContent = barMember.name;
+  document.getElementById('barPin').value = '';
+  setMsg('pinMsg', '', '');
+  document.getElementById('pinOverlay').classList.remove('hidden');
+  document.getElementById('barPin').focus();
+}
+
+async function confirmCharge() {
   if (!barMember) return;
   const amount = toMinor('barAmount');
   const pin    = document.getElementById('barPin').value;
   const note   = document.getElementById('barNote').value.trim();
-  if (!amount) { setMsg('barMsg', 'Enter a valid amount.', 'err'); return; }
-  if (!pin)    { setMsg('barMsg', 'PIN required.', 'err'); return; }
+  if (!pin) { setMsg('pinMsg', 'PIN required.', 'err'); return; }
   try {
     const r = await apiFetch('/charge', {
       method: 'POST', headers: { 'Content-Type': 'application/json' },
@@ -390,7 +416,7 @@ async function doCharge() {
     window.open(`/receipt/${r.entry_id}`, '_blank');
     setMsg('barMsg', `Charge complete. New balance: ${r.new_balance_display}`, 'ok');
     clearBarSelection();
-  } catch (err) { setMsg('barMsg', err.message, 'err'); }
+  } catch (err) { setMsg('pinMsg', err.message, 'err'); }
 }
 
 // ---------------------------------------------------------------------------
diff --git a/static/index.html b/static/index.html
index 4463b3c..27951dc 100644
--- a/static/index.html
+++ b/static/index.html
@@ -165,21 +165,34 @@
         <label>Amount (<span class="currency-unit"></span>)</label>
         <input type="number" id="barAmount" placeholder="e.g. 3.50" min="0.01" step="0.01">
       </div>
-      <div class="form-row">
-        <label>Member PIN</label>
-        <input type="password" id="barPin" placeholder="Member PIN" maxlength="20">
-      </div>
       <div class="form-row">
         <label>Note (optional)</label>
         <input type="text" id="barNote" placeholder="">
       </div>
-      <button class="btn btn-danger" onclick="doCharge()">Charge</button>
+      <button class="btn btn-primary" onclick="prepareCharge()">Charge</button>
       <button class="btn" onclick="clearBarSelection()">Cancel</button>
     </div>
     <div id="barMsg" class="msg"></div>
   </div>
 </div>
 
+<!-- PIN confirmation overlay (patron-facing) -->
+<div id="pinOverlay" class="pin-overlay hidden">
+  <div class="pin-card">
+    <div class="pin-charge-amount" id="pinAmount"></div>
+    <div class="pin-member-name" id="pinMember"></div>
+    <div class="pin-instruction">Please enter your PIN</div>
+    <input type="password" id="barPin" class="pin-input" placeholder="••••"
+           maxlength="20" autocomplete="off" inputmode="numeric"
+           onkeydown="if(event.key==='Enter') confirmCharge()">
+    <div id="pinMsg" class="msg"></div>
+    <div class="pin-actions">
+      <button class="btn pin-cancel-btn" onclick="cancelPin()">Cancel</button>
+      <button class="btn btn-primary pin-ok-btn" onclick="confirmCharge()">OK</button>
+    </div>
+  </div>
+</div>
+
 <!-- ===================== ADMIN VIEW ===================== -->
 <div id="view-admin" class="view hidden">
 
diff --git a/static/style.css b/static/style.css
index f5d56c3..a0607c4 100644
--- a/static/style.css
+++ b/static/style.css
@@ -409,3 +409,81 @@ select {
 .form-row-check label { font-weight: 400; color: var(--fg); font-size: .875rem; }
 .panel-divider { border: none; border-top: 1px solid var(--border); margin: 18px 0; }
 .sub-heading { font-size: .875rem; font-weight: 600; margin-bottom: 12px; color: var(--fg); }
+
+/* ---- PIN confirmation overlay ---- */
+.pin-overlay {
+  position: fixed;
+  inset: 0;
+  background: var(--canvas);
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  z-index: 150;
+  padding: 24px 16px;
+}
+
+.pin-card {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 16px;
+  width: 100%;
+  max-width: 380px;
+}
+
+.pin-charge-amount {
+  font-size: clamp(2rem, 8vw, 3rem);
+  font-weight: 700;
+  color: var(--fg);
+  text-align: center;
+  line-height: 1.15;
+}
+
+.pin-member-name {
+  font-size: 1.0625rem;
+  color: var(--fg-muted);
+  text-align: center;
+}
+
+.pin-instruction {
+  font-size: .875rem;
+  color: var(--fg-subtle);
+  text-align: center;
+  margin-top: 8px;
+}
+
+.pin-input {
+  width: 100%;
+  max-width: 260px;
+  padding: 14px 16px;
+  font-size: 1.5rem;
+  letter-spacing: .25em;
+  text-align: center;
+  border: 2px solid var(--border);
+  border-radius: var(--radius);
+  outline: none;
+  background: var(--canvas);
+  color: var(--fg);
+  transition: border-color .15s, box-shadow .15s;
+}
+.pin-input:focus {
+  border-color: var(--accent);
+  box-shadow: 0 0 0 3px rgba(9,105,218,.15);
+}
+
+.pin-actions {
+  display: flex;
+  gap: 12px;
+  width: 100%;
+  max-width: 260px;
+}
+
+.pin-cancel-btn {
+  flex: 1;
+}
+
+.pin-ok-btn {
+  flex: 2;
+  font-size: 1rem;
+  padding: 10px 0;
+}