The ability to pay with a phone or smartwatch is a lifesaver if you've ever forgotten your wallet. It also makes the checkout process generally smoother and faster. Like Apple, Google, Samsung and Fitbit, Garmin also has its own contactless payment solution.
Whether you own a Garmin Smartwatch or want to buy one, here's everything you need to know about Garmin Pay!
What is Garmin Pay?
With Garmin Pay, you can pay at selected stores with your Garmin Smartwatch. Like most other mobile payment options, these devices use Near Field Communication (NFC). The wave symbol on the card reader means that contactless payments are accepted through supported debit and credit cards, phones, and smartwatches. All you have to do is keep your wrist near the card reader to complete a transaction.
Security is always a problem, but Garmin has done a good job in this regard. Each purchase uses transaction codes to ensure the security of the transaction. Card numbers are not stored on the device, on the servers of Garmin or are available to dealers. Instead, clock-specific card numbers are used. You also block three incorrect attempts to enter the passcode. You can only reset the password if you remember the old one. If you do not, the entire wallet will be deleted to protect your information.
Garmin has steadily expanded its support for Garmin Pay for more devices, from just two at launch to date 16.
- Garmin Forerunner 945, Forerunner 645, Forerunner 245
- Garmin Fenix 5 Plus, Fenix 5X Plus, Fenix 5X Plus
- Garmin Vivoactive 3 Music, Vivoactive 3
- Garmin D2 Delta S, D2 Delta, D2 Delta PX  Garmin Marq Driver, Marq Aviator, Marq Captain, Marq Expedition, Marq Athlete
Supported Banks and Cards
You can use Garmin Pay at any payment terminal or card reader that accepts contactless payments but is only able to add a supported bank or card. There are too many to list here. This is a testament to how far this feature is supported.
On a large scale, you can use Garmin Pay in over 45 countries, with hundreds of banks supported. While the majority of them are in the US, Garmin adds participating banks all the time. The full list of supported banks and maps can be found here.
Use of Garmin Pay
Connect a Device
- Before you can start, you need the Garmin Download Connect app.
- Make sure your Garmin Wearable is paired with the app. On the My Tag tab, the Add Device option is displayed when a device is not paired. Alternatively, open the hamburger menu, tap Garmin devices, and add a device.
- At the top of the My Day tab, you should see an icon for your device. Tap on it and select Garmin Pay. You can also access them from the Garmin Devices page.
Add a map
- After opening the Garmin Pay page, tap Create Wallet.
- You need to set up a 4-digit PIN to secure your wallet. This is also the passcode you need to access your maps on the clock.
- Select a card type. Options include Visa, Mastercard, Maestro and Discover.
- You must manually enter your card information, such as card number, expiration date, and security code. You can also scan your card.
- You will receive an SMS with a verification code. In some cases, you may need to call your bank's customer service to complete the process.
- Upon confirmation, a warning message will appear on your Garmin watch indicating that Garmin Pay is active.
How to Make a Payment
- Press and hold the Action button on the watch. Find and tap Garmin Pay (the virtual wallet icon) in the menu.
- Enter the passcode.
- The cards you added appear. You can swipe up or down to find the map you want to use. The last used card is at the top.
- When the card is selected, hold your wrist close to the non-contact card reader.
- The edge of the dial lights up, and you also feel a slight vibration, and a check mark appears on the screen. Your payment is finished!
That's all you need to know about using Garmin Pay! Looking for a Garmin watch to buy? Do not forget to read our excellent Garmin coverage.