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Garmin Pay

The Garmin Pay™ feature allows you to use your watch to pay for purchases in participating locations using credit or debit cards from a participating financial institution.

NOTE: This feature is not available for all product models.

Setting Up Your Garmin Pay Wallet

You can add one or more participating credit or debit cards to your Garmin Pay wallet. Go to garmin.com/garminpay/banks to find participating financial institutions.

  1. From the Garmin Connect™ app, select Menu or Menu.
  2. Select Garmin Pay > Get Started.
  3. Follow the on-screen instructions.

Paying for a Purchase Using Your Watch

Before you can use your watch to pay for purchases, you must set up at least one payment card.

You can use your watch to pay for purchases in a participating location.

  1. Hold CTRL.
  2. Select Wallet.
  3. Enter your four-digit passcode.
    NOTE: If you enter your passcode incorrectly three times, your wallet locks, and you must reset your passcode in the Garmin Connect app.

    Your most recently used payment card appears.

  4. If you have added multiple cards to your Garmin Pay wallet, select DOWN to change to another card (optional).
  5. Within 60 seconds, hold your watch near the payment reader, with the watch facing the reader.

    The watch vibrates and displays a check mark when it is finished communicating with the reader.

  6. If necessary, follow the instructions on the card reader to complete the transaction.
TIP: After you successfully enter your passcode, you can make payments without a passcode for 24 hours while you continue to wear your watch. If you remove the watch from your wrist or disable heart rate monitoring, you must enter the passcode again before making a payment.

Adding a Card to Your Garmin Pay Wallet

You can add up to 10 credit or debit cards to your Garmin Pay wallet.

  1. From the Garmin Connect app, select Menu or Menu.
  2. Select Garmin Pay > Menu > Add Card.
  3. Follow the on-screen instructions.

After the card is added, you can select the card on your watch when you make a payment.

Managing Your Garmin Pay Cards

You can temporarily suspend or delete a card.

NOTE: In some countries, participating financial institutions may restrict the Garmin Pay features.
  1. From the Garmin Connect app, select Menu or Menu.
  2. Select Garmin Pay.
  3. Select a card.
  4. Select an option:

    • To temporarily suspend or unsuspend the card, select Suspend Card.

      The card must be active to make purchases using your Instinct® Crossover watch.

    • To delete the card, select Delete.

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 Instinct Crossover watch, create a new passcode, and reenter your card information.

  1. From the Instinct Crossover 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 Instinct Crossover watch, you must enter the new passcode.

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September 2023
© 2022 Garmin Ltd.