I dont have one but my friends has like 7 piercings and the belly button was the first one she had, and she said she only felt when the hut put the clap on, but she never felt the needle or the ring go through.
It doesnt hurt.. I got mine done about a year ago.. The only thing that hurts is the clamp but that is just a little pinch. Since its all skin in that area you don't really feel anything . just a little pinch
Depends where you go & Depends if your getting the skin above it or under it pierced ( Under is when the actual piercing starts in the bellybutton not above it and ends in the bellybutton if you know what i mean lol ) , Most places dont hurt because they use this stuff & Some places do hurt . Be careful because if someone touches your bellybutton you could get infected .