Garmin Pay stopped working June 2019 (Fenix 5s Plus)

Hello, my Garmin pay stopped working near the end of June 2019.  I was just on a live chat with Garmin where they suggested doing a soft reset (holding down upper left button until the device shuts off).  I'm going to test that later today.  If that does not work then they have instructed me to try a master reset.  Has anyone else experienced this issue when using the watch?  I really do not want to do a master reset on this device.

Thanks!