So as Garmin Pay is close to useless in the UK as there are virtually no banks using it, how do I disable it? I was just playing about on the app and once I selected it, it spent ages activating it. This seems to affect the OHRM and suggests that it will use more battery especially has I use a chest strap for activities. I can put it in jacket mode but seriously there should be a way to deactivate it. If there is, I can't find it.