Garmin Pay

One of the main reasons I bought the s62 over other golf watches was the ability to do things like Garmin Pay. 

I attempted to add a credit card using Connect and indicates that my bank doesn’t allow Garmin pay. Then tried my other bank and I receive the same message, so basically this function is useless for me, and this is true for both Citibank and Chase bank. 

Am I correct that this function is useless? If so, just wish all the manuals and brochures indicated this might be the case.