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Can't set up Garmin Pay

I'm having real troubles setting up Garmin Pay with my Forerunner 645.

The app accepts my card ok, but when it gets too the point of sending a verification SMS, it tells me it is sent but nothing comes through. I've verified I am able to receive text messages, rebooted my phone, reinstalled the various messaging settings from my phone company but no luck.

Eventually the app just decides that there has been an error and the verification methods are deleted and I have to start again but deleting my card details and going back to step one.

Any ideas on how to fix this?