Garmin Pay™, the mobile payment solution, lets you handle your purchases very easily without a wallet, or a smartphone and in the blink of an eye – wherever contactless payment by Near Field Communication (NFC) is possible. All you need is your Garmin vívoactive 3 smartwatch and a credit card from Cembra Money Bank .
Payment with Garmin Pay™ is not only easy, it is also secure: Your data is encrypted and not saved or shared.
Setting up Garmin Pay™
To set up Garmin Pay™, all you need to do is download the Garmin Connect Mobile App to your smartphone and follow the instructions on the vívoactive 3 smartwatch page to add your credit card from Cembra Money Bank. This also includes the creation of a four-digit identification code.
Details on setting up Garmin Pay™ wallet
Paying with Garmin Pay™
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Press and hold down the button on your vívoactive 3 smartwatch in order to open the main menu.
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Tap the vívoactive 3 credit card icon and enter the four-digit code if you are prompted to do so.
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Select the desired credit card and move the front of your smartwatch close to the card reader. Once the transaction has been completed, your smartwatch will vibrate and show a check mark.
Details on paying with the Garmin vívoactive 3 smartwatch
Frequently asked questions about Garmin Pay™
What are the advantages of Garmin Pay™? expand_more
You can work out without worrry, and don’t have to carry a wallet, cash or a smartphone. Thanks to your vívoactive 3 smartwatch, you’ll still have your credit card with you at all times and can make purchases at numerous stations by contactless payment – even for tiny amounts.
What do I need in order to use Garmin Pay™? expand_more
A vívoactive 3 smartwatch (with the associated Garmin account) and a credit card from Cembra Money Bank. To set it up the first time, you’ll need a smartphone and the Garmin Connect mobile app.
How do I set up Garmin Pay™? expand_more
Download the latest version of the Garmin Connect Mobile app to your smartphone.
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Open the Garmin Connect app on your smartphone.
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Select the icon for your Garmin Smartwatch.
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Select “Garmin Pay™”, then “Create Wallet”
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If you already have a 4-digit PIN, enter it now. Otherwise, the PIN must now be created.
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Follow the instructions on the display
Where can I pay with Garmin Pay™? expand_more
You can pay in Switzerland and abroad at all checkouts with the symbol for contactless payment by credit card.
How do I pay with Garmin Pay™? expand_more
Press and hold down the button on your vívoactive 3 smartwatch in order to open the main menu. Tap on the credit card symbol and enter the four-digit code if necessary. Your credit card will appear on the display. If you have entered multiple credit cards, select the desired credit card. Hold your smartwatch with the display to the card reader. It will vibrate and the display will show a confirmation message.
What does it cost to use Garmin Pay™? expand_more
You can use Garmin Pay™ free of charge.
Which credit cards work with Garmin Pay™? expand_more
Garmin Pay™ works with all credit cards issued by Cembra Money Bank.
Can I use Garmin Pay™ if I am an additional cardholder? expand_more
Yes. Our customer service team will be happy to assist you with activation: +41 44 439 40 20 .
Can I use Garmin Pay™ internationally? expand_more
Yes. Garmin Pay™ works anywhere contactless payment is accepted.
Is paying with Garmin Pay™ secure? expand_more
Yes it is. When using Garmin Pay™, your data is protected through tokenisation and payment authorisation procedures. Tokenisation means that when you link your credit card to Garmin Pay™, a token is created which is referenced to your Cembra Money Bank credit card. This token is encrypted when used in the payment process, keeping your data secure. In the payment authorisation step, you are additionally asked to enter your four-digit PIN. You enter the PIN code when you put on the watch. The PIN is valid for 24 hours as long as you do not take the watch off your wrist. The PIN code must be entered again after the sooner of the two.
Do I need a smartphone to use Garmin Pay™? expand_more
No. Once Garmin Pay™ is set up, you can make payments directly from your Garmin vívoactive 3 Smartwatch.
Do I need to be connected to the internet to use Garmin Pay™? expand_more
No. You can use your Garmin vívoactive 3 Smartwatch to make payments even without an internet connection.
Can I view my transactions? expand_more
Yes. You can view your last ten transactions in the Garmin Pay™ app. You also receive a monthly statement.
Is there a transaction limit? expand_more
Yes. The transaction limit for Garmin Pay™ is the limit applicable for your credit card.
Can I link multiple credit cards to the Garmin Pay™ app? expand_more
Yes, all Cembra Money Bank credit cards can be linked.
Can I delete a credit card from the Garmin Pay™ app? expand_more
Yes, you can always delete or temporarily deactivate an associated credit card. To do so, go to your account and tap the Smartwatch icon. Via the Garmin Wallet you can then search for the associated credit card you wish to change. You have the following options:
The “Deactivate” option disables the card for usage
The “Delete” option completely removes the card in the app
The card data will then be deleted from the watch the next time you sync your Garmin vívoactive 3 smartwatch.
I have lost my Garmin vívoactive 3 smartwatch. What do I need to do? expand_more
Please contact our customer service immediately at: +41 44 439 40 20 . You can also deactivate your credit cards in the Garmin Pay™ app via “Delete” within your Garmin Wallet. Note: Deleting the card in your account does not mean that your actual credit card is blocked. Please contact our customer service in case of loss or theft.
I have lost my credit card. What do I need to do? expand_more
Please contact our customer service immediately at: +41 44 439 40 20 . In addition, you should delete the card from inside the Garmin Pay™ app. You can do this via your Garmin Wallet.
