How Garmin Pay Can Be Set Up And Used In Your Garmin Watch

All you need to understand about using Garmin Pay with your Garmin

The makers of the sports and smartwatch introduce Garmin Pay, a payment alternative to Google Pay on Wear watches, Apple Pay on the Apple Watch and Fitbit Pay on the Iconic and the Versa.

You can now leave your wallet, purse or even smartphone behind if you’ve got a Garmin Pay compatible wearable for buying things. Need a water bottle while you’re on a sweaty run? Garmin Pay can make things easier in your life.

It is currently available only on select watches just like rival services and there are a few things you need to understand before you can put this feature to good use.

This guide includes the wearables that are compatible with Garmin Pay, how to use it and the easiest way to get started so you can pay with your wrist.

How Does Garmin Pay Work?

The basic functioning of Garmin Pay is a lot like Google Pay, Apple Pay and Fitbit Pay, where your credit and debit cards can be linked to your device. This enables you to use your watch for making secure payments in stores that have pay terminals with contactless symbol. Transport systems like the London Underground that support contactless payment can also be paid for using this feature. Most retailers can also be paid any value using this payment method.

The built-in NFC chip of your Garmin wearable enables this to happen. FitPay is a company that developed payment software platforms and this tech works alongside one of these platforms.

Making Things Secure

It’s tough for people to give up on cards, notes and coins because security is a major concern for them. Garmin ensures secure transactions by making use of transaction codes for every purchase you make.

Garmin Pay doesn’t store card numbers on the device or Garmin’s servers nor does it pass it to merchants when you purchase something. So, if you lose your watch, the credit/debit cards in your Garmin Pay wallet need not be canceled.

Though your digital cards must be canceled in the Garmin Connect app. If you face problems doing that, contact the relevant bank for assistance. Garmin Pay page of Santander bank UK for instance details the procedure for doing this while similar advice is offered by other banks on their websites.

Garmin Pay Compatible Watches

Garmin Pay is currently enabled for a limited collection of watches. Fenix 5 series or the Garmin Forerunner 935 sports watch don’t support Garmin Pay unfortunately. However, the new Garmin Forerunner 645 Music, Forerunner 645 and the Garmin Vivoactive 3 are compatible with the feature.

Banks That Are Compatible With Garmin Pay

You need to be aware of the debit or credit cards that can be added to your Garmin Pay wallet as all the banks are not familiar with this feature. The list of banks that are compatible with Garmin Pay is available on Garmin website, which can be filtered by Visa and Mastercard and by region.

There are more than 40 financial institutions and banks in the US that are supported which include Wells Fargo, Bank of America and People’s Bank. The number of banks that support Garmin Pay in UK is less and includes Starling and Santander Bank.

It’s a slow and tough process for other wearable makers and companies like this to bring on board all the big names straight away. So, if you’re planning to buy one of the watches that are mentioned above for spending through your wrist, be sure to check the bank list on the official website.

Setting Up Garmin Pay

Now, if you’ve got the Garmin Pay compatible watch and credit or debit cards, let’s look at how to get things up and running for you. While it’s quite easy, use the comments section below if you face any problems.

  1. Download Garmin Connect

The first thing to do is to download the Garmin Connect app on your phone and pair your watch with it. Once done, tap the icon located on top of My Day tab as it features your wearable. Now tap on your device name for accessing the Garmin Pay screen.

  1. Wallet Creation

Next screen will prompt you to create a 4-digit passcode for making the wallet secure on your wearable. You’ll then have to select your card type as Visa or Mastercard.

  1. Terms And Conditions

This details that FitPay, from which Garmin’s Pay platform is powered, collects and shares your payment information, name and address with your bank. It also details that it may share information about your watch and/or phone, along with the serial number, for detecting fraudulent purchases.

  1. Add Your Card

Your card details like card number, security code and expiry date are to be provided here. Your name and postal code are also required for completing the process.

Once you are done with the above process, you can read the complete terms and conditions and then you’ll need to verify your card through your bank. This will be done either by receiving a text to verify that the card actually belongs to you or by calling customer service. You will receive a code for the completion of verification process in case you choose the text option.

  1. Finishing The Set Up

If you’ve done everything accordingly, you’ll receive a prompt on your watch that Garmin Pay has been activated now and you’re all set to go.

It’s Time To Start Buying Things

So, if you went through the above steps without any issues, you can use your watch to buy things without your phone and cash.

The same process can be followed in case you are using Vivoactive 3 or Forerunner 645. You can find your wallet by getting into the settings menu of your watch. You’ll then be prompted to enter the passcode you created in step 2 above. You can scroll through your assigned cards and choose the one you wish to use.

Next, you’ll be prompted to hold up the watch near the reader on the pay terminal and you’ll have 60 seconds before the transaction gets terminated. The transaction completion will be signaled by a little vibration and a tick.

One good thing is that you won’t have to enter the passcode again for 24 hours if you have entered it while wearing the watch. However, if you disable the heart rate monitoring or take off the watch, you’ll have to re-enter the passcode. Of course, you’ll have to enter the passcode again after 24 hours have passed.

You can reset the passcode at any time from the Garmin Connect mobile app by going to the Garmin Pay section. You can also temporarily suspend or delete your wallet from here.

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