What is Garmin Pay, how does it work, and which banks support it?

(Pocket-lint) - Garmin Pay is akin to Fitbit Pay, Apple Pay, Google Pay, and Samsung Pay. It is simply a mobile outgo strategy that works with contactless outgo readers truthful that you tin cheque retired astatine a store, close from your wrist, without needing your wallet oregon phone.

For example, with Garmin Pay, you tin beryllium retired for a run, halt to bargain a vessel of water, and wage for it with conscionable your Garmin device.

Here's what you request to cognize astir Garmin Pay, including which devices offer it and however it works.

• Best Garmin watch: Fenix, Forerunner and Vivo compared

What is Garmin Pay?

Garmin Pay works conscionable similar rival contactless outgo systems. With a compatible Garmin watch, you tin wage for worldly by holding your wrist adjacent a contactless paper scholar - that's it. There's nary request to fumble for your phone, wallet, cards, oregon cash.

How to acceptable up Garmin Pay

Setting up Garmin Pay is easy. All you person to bash is spell to the Garmin Connect mobile app connected your smartphone, past pat the Garmin. Your linked instrumentality volition beryllium astatine the apical of the page. In the pursuing menu, you'll spot the enactment for Garmin Pay. (You tin besides get to Garmin Pay setup done the settings menu.)

You'll past beryllium prompted to adhd your MasterCard oregon Visa paper (or Maestro oregon Discover), which is what Garmin Pay volition usage to marque your purchases. First, prime the paper type, past manually participate your paper data. You'll besides person to participate a information codification that you'll beryllium sent.

You volition besides request a passcode connected your ticker to unafraid it - this is simply a 4 digit PIN code. 

Once the verification and tokenisation process is complete, the paper volition beryllium added to your wallet. You tin presumption the paper by tapping Garmin Pay. You volition spot options to temporarily suspend oregon delete a paper from your wallet astatine immoderate clip erstwhile you pat connected the paper successful the Garmin Connect app.

Using Garmin Pay successful a store

Garmin Pay works anyplace that accepts contactless payments. Just look for the contactless payments awesome adjacent paper readers during checkout.

While stores whitethorn not person a circumstantial Garmin Pay accepted logo successful their model alongside Apple Pay and Google Pay, if you spot a contactless outgo symbol, you should beryllium capable to usage your Garmin instrumentality to pay.

How to marque a outgo with Garmin Pay

On your watch, property and clasp the enactment fastener to bring up the Navigation Controls menu. Then, pat the virtual wallet icon and participate your four-digit passcode. You volition beryllium prompted to participate your passcode each 24 hours oregon aft each clip you enactment the ticker backmost connected aft taking it off. Once the wallet is open, your last-used paper volition automatically appear, but you tin ever power to a antithetic card.

To switch, conscionable swipe down connected your surface to the adjacent one. Once you've picked a card, your ticker volition punctual you to clasp your wrist adjacent a contactless paper reader. The outer borderline of your ticker look volition airy up greenish aft a fewer moments to bespeak the acquisition is complete, and past it'll instrumentality to your default ticker look erstwhile done. And that's it.

Note: Three incorrect attempts astatine entering your passcode volition fastener your virtual wallet connected the ticker itself. You'll person to spell to the Garmin Connect app connected your telephone to acceptable a caller passcode. (You volition request to re-enter your aged passcode astatine this point. If you don't retrieve it, Garmin volition delete your full virtual wallet to support you. If this occurs, repetition the acceptable up steps above.)

Which devices enactment with Garmin Pay?

Garmin Pay is disposable connected 51 of Garmin's existent devices. You tin view the afloat database connected Garmin's website, but beneath is simply a summary of a fewer of the devices supported.

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

Which cards/banks enactment Garmin Pay?

Garmin Pay works with "many recognition and debit cards from large banks," arsenic good arsenic "many large recognition and debit cards, including Visa and MasterCard." Now, here's the thing: though cards from MasterCard and Visa are each compatible, you won't beryllium capable to usage them unless your slope is supported. If they aren't, you can't connect your card.

Both Apple Pay and Google Pay took a portion to get banks onboard with their respective mobile outgo technologies, truthful it volition instrumentality a portion for your slope to beryllium supported. Some accepted banks don't enactment Garmin Pay, but galore online banks oregon paper providers bash - truthful if you're slope isn't supported, you mightiness see opening an caller relationship to springiness you access.

• Check retired the database of supported Garmin Pay banks

Anything other you should know?

Aside from the passcode you created during setup, you won't request immoderate different authentication, specified arsenic a fingerprint scan, but you mightiness not beryllium capable to bash ample payments. In the UK, contactless outgo transactions are often constricted to £45, portion immoderate US banks bounds them to $50.

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Writing by Maggie Tillman and Elyse Betters. Editing by Chris Hall.