I've searched the forum and seen countless issues on this topic dating back a year. I have a Fenix 5 Plus warranty replacement and cannot add Garmin Pay. Whenever i start the process in Garmin Connect it says the watch isn't connected even though it is, and to toggle Bluetooth off and on. I've done everything from uninstalling the app, resetting the watch, even trying another phone altogether. Garmin have actually agreed to replace the watch again, but I'm not convinced this is simply not just a Garmin Connect and iOS issue. Anybody still experiencing similar problems?