What is Garmin Pay?

Garmin’s wearable products can be a little confusing at first, especially some of its premium smartwatch models. The company likes to cram as many software features as possible into its products, so it’s not always clear what everything does. It can take days, or even weeks, to fully understand it all.

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You probably have a general idea of ​​what Garmin Pay is, but how does it work? And more importantly, where can you use it and what devices are supported?

Garmin

What is Garmin Pay and how does it work?

Garmin Pay is a service that is comparable to Apple Pay or Google Wallet. It allows you to pay with your credit or debit card at compatible stores without having to pull out your physical card or phone. In fact, Garmin Pay doesn’t have a phone or desktop-based version. It’s primarily meant to let you go for a run or ease your commute without worrying about whether you have cash in your pocket. More on the commute later.

You can add cards to Garmin Pay through the Garmin Connect mobile app and securely sync them to your watch. To make payments, wallet From the control menu on your watch, enter your passcode if it’s been 24 hours since you last used Garmin Pay or if you’ve taken your watch off since then, at which point you can either bring your watch near an NFC payment terminal or switch cards first if you don’t want to use your last selected card.

How to set up Garmin Pay

The process is relatively simple on Garmin’s end, but can get complicated depending on the bank your card is associated with.

1. Open the Garmin app for iPhone or Android.
2. Go to More -> Garmin devices Please select a watch.
3. Tap Garmin Pay.
4. Tap Create a wallet Create a passcode.
5. Follow the on-screen instructions to add at least one card.
6. You’ll be asked to verify your identity with your bank. Steps vary and may require you to make a phone call, so be prepared.
7. Once your card has been verified, make sure your phone is synced with your watch.

Which devices support Garmin Pay?

There are quite a few that are compatible. You can filter for compatibility on Garmin’s web store, but here’s what’s compatible as of July 2024:

• Venu 3/3S
• Vivoactive 5
• epix/epix Pro (2nd generation)
• Phoenix 7/7S/7X/7 Pro/7X Pro
• Forerunner 165/165 Music/265/265S/745/965
• Lily 2 Classic
• MARQ Commander/Athlete/Adventurer/Golfer/Captain/Aviator (2nd Gen)
• Instinct Crossover/2/2X
• vivomove Trends/Style
• Enduro 2
• Descent Mk3i/G1/Mk2/Mk2S/Mk2i
• Approach S62/S70
• Quatix 7/7X
• Tactics 7
• D2 Mach 1/Mach 1 Pro/Air X10

Which banks support Garmin Pay?

The list of compatible banks is too long to share here, but Garmin maintains an active list that can be sorted by region and card issuer (Visa, Mastercard, etc.) This feature is available in many countries around the world, including places like Australia, Canada, the US and the UK.

Which retailers support Garmin Pay?

There’s no comprehensive list of retailers, but if Garmin Pay is available in your country and your payment terminal supports other NFC standards, such as Apple Pay, you’re probably good to go. Look for the icon that indicates wireless support.

By the way, Garmin Pay can be used to pay for rides on certain public transportation. Here’s the current list as of July 2024:

Australia

Canada

China (via UnionPay)

• Guangzhou Subway
• Hangzhou Subway
• Ningbo Subway
• Shenzhen Subway

Italy

• Milan – Metropolitana & Malpensa Aeroporto – (Malpensa Express ferroviario service)
• Florence — Trasporto Urbano, Aeroporto Firenze (Servizio Volaimbus), The Mall Luxury Outlet (Servizio Bus)
• Rome – Metropolitana and Fiumicino Aeroporto (Leonardo Express Ferry Service)
• Milan Gimignano (Servizio Bus)
• Turin – Aeroporto (Servizio Bus)

Malaysia

• Singapore – Land Transport Authority (LTA)

Taiwan

• Tankai LRT
• Kaohsiung MRT
• Taoyuan Metro

England

America

• Chicago
• New York City
• Portland, Oregon