What is Garmin Pay, how does it work, and how do you use it?

What-is-Garmin-Pay-how-it-works-and-How-to-Use-it
What-is-Garmin-Pay-how-it-works-and-How-to-Use-it

You might have learned about Fitbit, Apple PayGoogle Pay, and Samsung Pay. It is a mobile payment system that connects with contactless payment readers. It helps you check out at a store from your smartwatch without needing your wallet or phone.

Let’s find out what Garmin Pay is, how it works, and how to use it.

For instance, with Garmin Pay, you can be out shopping, stop to buy a bottle of water, and pay for it with just your Garmin device.

Here’s what you must know about Garmin Pay, including which devices provide it and how it works.

What is Garmin Pay?

What is Garmin Pay?
What is Garmin Pay?

This payment system works just like other contemporary contactless payment systems. With a compatible Garmin smartwatch, you can make payments for stuff by holding your wrist close to a contactless card reader – that’s it.

There’s no need to look for your phone, wallet, cards, or cash.

How to set up Garmin Pay

How to set up Garmin Pay
How to set up Garmin Pay

It is pretty easy to set up Garmin Pay. All you have to do is go to your smartphone’s Garmin Connect mobile app and tap Garmin. Your linked device will come to the top of the page.

You’ll be directed to add your MasterCard or Visa card (or Maestro or Discover), which Garmin Pay will use to make purchases. First, opt for the card type, then manually enter your card data. You’ll also have to join a security code that you’ll be sent.

You will also need a passcode on your watch to secure it – this is a four-digit PIN code. 

The card is added to your wallet once you complete the verification and tokenization process. You can see the card by tapping Garmin Pay.

You will also have options to temporarily suspend or delete a card from your wallet when you tap on the card in the Garmin Connect app.

How do you use Garmin Pay in a store?

How to use Garmin Pay in a store
How to use Garmin Pay in a store

This mobile payment system works almost everywhere and accepts contactless payments. It would be best to look for the contactless payments icon near card readers during checkout.

Some stores may not have a particular Garmin Pay accepted logo in their window alongside Google Pay and Apple Pay. If you see a contactless payment symbol, you should be able to use your Garmin device to pay.

How to make a Payment with Garmin Pay

How-to-make-a-Payment with Garmin Pay
How-to-make-a-Payment with Garmin Pay

Press and hold the action button on your watch to bring up the Navigation Controls menu. Then, hit the virtual wallet icon and put in your four-digit passcode.

You will be directed to enter your passcode every 24 hours or after every time you put the watch back on after taking it off. Your last-used card will automatically appear when the wallet opens, but you can change to a different card.

To switch, you have to swipe down on your screen to the next one. Once you’ve selected a preferred card, your watch will direct you to keep your wrist close to a contactless card reader.

The outer edge of your watch face will light up green after a few moments to indicate that the purchase is done, and then, it’ll return to your default watch face once it is done. You are done.

Alert: Three incorrect attempts at entering your passcode will lock your virtual wallet on the watch itself. You’ll have to go to the Garmin Connect app on your phone to set a new passcode. (You must re-enter your old passcode to reset your new password.

If you don’t remember it, Garmin will delete your virtual wallet to protect you. If this happens, repeat the setup steps prompted.)

Which Devices Support Garmin Pay?

Which-devices-support-Garmin-Pay
Which-devices-support-Garmin-Pay

This payment system is available on 51 of Garmin’s current devices. You can view the complete list on Garmin’s website, but here is a short list of a few of the devices supported.

  • Garmin Forerunner – 645, 645 Music, 745, 945
  • Garmin Vivoactive – 4, 4s, 3, 3 Music
  • Garmin Fenix 6 – Pro Solar, Pro, Sapphire, Solar, S Pro Solar, S Pro, S Sapphire, S, X Pro, X Sapphire, X Pro Solar
  • Garmin Vivomove – Luxe, Style
  • Garmin Venu – Venu Sq, Venu Sq Music, Venu 2

Which cards/banks support Garmin Pay?

Which-cards-banks-support-Garmin-Pay
Which-cards-banks-support-Garmin-Pay

Garmin Pay works with “many credit and debit cards from major banks” and many major credit and debit cards, including Visa and MasterCard.

Although cards from MasterCard and Visa are all compatible, you cannot use them by default with any bank unless your bank is supported. You can’t connect your card if your bank doesn’t support this payment system.

Google Pay and Apple Pay took a while to get banks on board with their respective mobile payment technologies, which will take time to support your bank.

Some traditional banks don’t support Garmin Pay, but many cards and online bank providers do, so if your bank isn’t supported, you might consider opening a new account to give you access.

What else should you know?

In addition to the passcode you created during setup, you won’t need any other authentication, such as a fingerprint scan, but you might not be able to make large payments.

About the author

Mamta Sharma

Mamta Sharma

Mamta Sharma is an influential figure in the realm of online gaming in New Zealand. With over eight years of expertise, she holds a prominent position as a content strategist at PokiesMobile NZ.

Mamta's journey, starting from the bustling streets of Mumbai to the serene landscapes of New Zealand, has given her a unique perspective on the world of online casinos.

Outside the virtual casino environment, Mamta is a also yoga practitioner and an advocate for holistic wellness.