The Garmin Pay (Fenix 6 Silver, FW3.0) is always asking for passcode, even if the OHR/sp02 are on, and watch is snug on the wrist.
As far as I read on the Garmin site, if you have ohr on, and you keep it on your wrist, it asks for passcode once 24 hours, and always when is not on the wrist.
Mine asks for password every time, not immediately after I use it, but after one or two hours when I want to use I get the prompt. I know it's security but I am not sure this is how it supposed to work.
How is your experience with this?