Garmin Pay will not allow to set up Visa,

You need to talk to your bank to add support for Garmin Pay or choose a bank or card that are supported. 

What is pissing me off is that a series 7 apple watch is approx $500 accepts all sorts of cards vs a $1,200  Garmin 6 S Pro watch which tries to dictate what type of card and from what bank should I use. That's so 60's. You have to admit that this function on the watch has limited usefulness or in some cases useless.

As mentioned here and previous posts, I suggest taking this up with your 1960s bank - My Bank Card Is Not Listed. Why?

If your card is not listed as being compatible, contact your bank and express your desire to have them work with Garmin Pay.