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Garmin pay not working

I haven’t been able to get my own card approved by the supported bank yet, but my mother already has an account. I installed the app on her phone and logged in using my email. Then I added her card and completed the bank verification.

The card now shows up in my watch wallet, but payments are not being approved at the terminal.

Has anyone experienced this or knows what might be causing it?

  • Online and virtual payments are often disabled by default on the side of the bank. Check out the settings of the credit card in the banking software of your mother (or ask her to do it, assuming she agrees)

  • When you are attempting to use Garmin Pay, are you receiving a declined error message? As well as what banking institution/card type are you using when trying to connect via Garmin Pay? 

  • the card is enabled for contactless payments, and on the Garmin it shows as approved. However, on the payment terminal side, the transaction is being declined.