Changing Your Garmin Pay Passcode
You must know your current passcode to change it. If you forget your passcode, you must reset the Garmin Pay feature for your device, create a new passcode, and reenter your card information.
1 From the vívoactive 4/4S device page in the Garmin Connect app, select Garmin Pay > Change Passcode.
2 Follow the on-screen instructions.
The next time you pay using your vívoactive 4/4S device, you must enter the new passcode.