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Garmin pay doesn't work for my Vivoactive 3

I have a new phone: Samsung S10+.

I've installed the app.

Paired and sync'd.

When I try to add my card, the app just crashes repeatedly.

I've uninstalled and installed again.

No luck.

Am I doing something wrong?

I saw another similar post 8 months ago from someone - no one answers. Confused 

Help!