I have a VivoActive5 (and in Australia, if that matters).
The app says I'm connected to the watch, and I am able to change settings, install faces etc, and see steps etc updating in the app, so it seems to be working fine, but when I go to set up Garmin Pay and hit "Add Card" I get a "Not connected" message that says I need to enable bluetooth on my smartphone and the Vivoactive5 and then they should automatically connect.
Checking the watches bluetooth connection, I can see it is showing 'connected'
Checking the phone bluetooth connections, I can see Vivioactive5 is there and connected. I have removed the Bluetooth connection and re-added which didn't help. Neither did restarting the phone or the watch.
Any other troubleshooting tips?