Garmin Pay is not visible on my GC screen.

I think first you have to setup Garmin Pay from the hamburger menu in Garmin Connect. After that you will also see Garmin Pay on the device page of your device.

I don't have that option. Unless you know how

I am not sure at all whether it could be the reason, since I do not have Garmin Pay on my watch, but I could imagine that it is offered only in some countries. Therefore I would check whether there is your country (or the country of your bank) correctly entered in your Garmin Account, and whether the country is supported for the Garmin Pay option.

In my Garmin Connect Android app the Garmin Pay menuitem is right between the Connect IQ Store and Garmin Devices menuitems.

Maybe trux is right in his post and this depends on country/region settings. There also is a list of supported countries and banks here: https://www.garmin.com/en-US/garminpay/banks/

If your bank is not listed you could possibly use some virtual card provider (my bank was not listed but I could use boon. by Wirecard: MASTERCARD).

Thanks Trux and Josef. My bank is definitely listed under my country and region being Australia.

Just to make sure we speak about the same country setting: when you go to the following address, is Australia set as the Location in your profile?
https://www.garmin.com/account/profile/

Correct.

I would check also whether Fenix is listed in Profile >> Products (on that page). If it is there, then I am afraid contacting the support is the only thing I can suggest.

Just set up my Fenix 5 today and have the same issue, done resets and updates via Connect and Express and still nothing

edit: and no matter what I do my txt msg won't show on the watch face LMAO, why did I buy this thing ? XD

Fenix 5 range doesn't have garmin pay. I returned mine.