Before you comment please read.
in my Garmin Tactix 7 Pro the Garmin pay app does not accept any card of any Saudi bank. It is the responsibility of Garmin to make this feature work. The bank told me all cards Visas and Mastercards are accepted internationally. Garmin or Garmin Saudi Arabia should go to these banks and get the approvals themselves.
Garmin directing clients to the banks or the banks directing the clients to Garmin does not make any sense. It is not the client responsibility to chase this and follow it up. If Garmin don't care about approving these banks at least they should lower their prices in these countries that Garmin Pay does not work and provide refunds for those who already bought it. Fair enough? I already spoke to the bank and emailed and complained about it. I have no authority to speak to the banks on behalf of Garmin.
Garmin (or at least Garmin Saudi Arabia also known as AMIT Trading Co. LLC) has to do something about this or refund the clients in these countries.
(Ignoring this issue by Garmin is not solution)