Connect IQ Monetization System vs own payment system - increase in sales?

I still don't know if $100 is annually or administrative one time only costs. With Garmin you don't have valuable stats. I don't know if you'll sell more, as they don't support other payment methods than credit card. And you first need to add that card to Garmin Wallet. So I guess your sales will drop in Europe, where the majority use debit cards. I use Garmin for sales because I don't want to ask users to grant internet connection rights. 

I don't have any paid apps but I thought about it in the past. I tried to add custom payments to datafields which at the time was challenging both because of small memory size and communication only available in background. So one way I look at it is not from the economical side but from the maintainability side. If I understand correctly if you have any free app of any type you can turn it to Garmin Pay with a few clicks and no change in the code.

I also agree that the Garmin 100/y is a lot. I paid a 1 time 25 USD for android, where I never earned a cent, but it was ok. I won't pay 100 annually for Garmin when I'm not sure if have sales of 100. And this is all before I consider how much a developer can trust Garmin (based on what I read in the forum: no payouts, numbers don't match, no response to communication - which BTW borderline unacceptable, not professional even if we look at the "free" services). And then I didn't talk about the state of CIQ and how much it feels like a step child and nobody knows if it'll be closed one day by a new CEO.

Why do you think debit cards don't work? Do you have experience or read about it?

I live in Europe, in the Netherlands most of my friends with Garmins can't add their card to Garmin Wallet, they can add it to Garmin Pay though, in the end the system wants you to validate your purchase through Garmin Pay, but the card must be in Garmin Wallet as well. Of course you also should not want users to be using two systems for payments for a single payment. I can use my Spanish card though, it comes some credit space on it. So does my dutch cards, but they can't be added to Garmin Pay(so I have the opposite problem), but major dutch banks don't offer credit space on the standard debit cards.

Since I guess I passed $100 sales I get quarterly reports that also fit well for my taxes. Also Garmin holds 10 euro or $10 which explains the gap I mentioned before.

Maybe this is a Dutch thing? When I was there on a bike tour I couldn't use my international credit cards (from 2 different countries) to pay in the supermarkets...

But I think Garmin should really do a better job in naming and unifying or at least not confusing their money related systems.

I only use "Garmin Pay" that is called like that by Garmin, but I think in your comment this is what you call the Garmin Wallet. I mean that I added my cards (BTW both credit and debit) to my watch and I can use it to tap to pay for my icecream during a bike ride. So far I haven't tried the other "Garmin Pay" (also named by garmin) that is the service to pay for paid apps in the Connect IQ store. Neither did I try the 3rd one: merchant account.