Garmin pay never worked on my Garmin 945. I have added the payment card successfully. Any ideas of how to fix this?

Garmin pay never worked on my Garmin 945. I have added the payment card successfully. Any ideas of how to fix this?

is there any way I can check the functionality of it?

I have put in the correct pin and the watch indicates that it is ready to pay and says to hold near the payment device or whatever the actual text is and then a green timer countdown circles the watch face indicating the time remaining for the process being active.