Garmin Pay support

As far as I'm aware, Garmin Pay is a feature that has been delivered in the North American market, even if it may mean you have to sign up for a new card with a new bank (depending on which accounts you already have) in order to actually take advantage of it today.

I doubt Garmin advertised, or otherwise promised, that it would definitely work for you personally as-is with the (limited number of) accounts and cards you have. I don't have a problem if you're disappointed with the coverage today, but it's up to you to get inside the published coverage (of banks and/or cards that work with Garmin Pay) – or choose not to because it looks like too much of a hassle for you, so you make an informed decision to forgo the benefit of a technical feature already delivered.

While I agree with you (except no Garmin Pay in Canada), I still expect Garmin to make an effort to ensure good coverage. Of course, customers should also put pressure on their banks, even switching if needed.

How do you know they don't? They're unlikely to release details of which banks they've spoken to and the response they've had. The solution is simple. If you and others complain to your bank and enough to do maybe your bank will do something. If not as others have posted the solution is possibly in your hands, change banks like customers do when they're not satisfied with their bank.

Garmin's page on the Vivoactive 3 says

First Garmin wearable that is Garmin Pay[SUP][/SUP] ready, so customers can pay for purchases with their watch[SUP]1[/SUP]

with Foot note 1 saying

[SUP]1[/SUP]Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals.

with Foot note 2 giving a link to banks that currently support Garmin Pay https://www.garmin.com/en-GB/garminpay/banks/

So Garmin never said it would work with every bank. Whenever you buy something it's important to read exactly what it does or does not, and don't simply expect it to do what you want it to do :)

Garmin didn't say all these things when they were releasing the watch. In fact, when they released it, they said, it's coming with Garmin Pay and that was it. The Garmin Pay was not supported for the first 2-3 months. Expectations start from announcement itself, seems like just to catch up with some of the competitors, Garmin announced a Half Cooked feature. In addition, even though they took 2-3 months to enable the feature they had announced long back and was my one of my primary motives to take Vivoactive 3 over a Fenix 5, it was not released with full support. That's very discouraging.

Expectations start from announcement itself,

You may form and maintain your personal expectations however you wish. However, the only ones you can reasonably hold the product manufacturer to are the ones that are expressly corroborated by the detail on the product pages, and/or in the technical specifications (or ‘data sheet’) and owner's manual, at the time you place the order or make the purchase – which may have seen revisions since product launch.

Having held expectations that are not corroborated, and being frustrated or even angry as a consequence, does not compel or convince objective third parties to conclude that the manufacturer owes it to you to deliver. On the other hand, if the product you received demonstrably failed to deliver what the manufacturer explicitly promised on its terms in the documentation it published, then at least by the Australian Consumer Law the consumer would be entitled to return the product for a full refund, for reasons of it not being fit for the purpose(s) it was sold and/or it being significantly different from how the product was described, if the manufacturer declines or fails to ‘repair’ the gap within a reasonable amount of time. You should check what your rights are in accordance with consumer law where you bought the product.

That's very discouraging.

So return the product and undo the purchase, then use the funds towards buying a fenix 5, or something from else from either Garmin or one of its competitors… or just keep the money in your wallet. What you cannot demand and compel Garmin to do is to satisfy your expectations so that you can carry on as a happy consumer.

Garmin didn't say all these things when they were releasing the watch. In fact, when they released it, they said, it's coming with Garmin Pay and that was it. The Garmin Pay was not supported for the first 2-3 months. Expectations start from announcement itself, seems like just to catch up with some of the competitors, Garmin announced a Half Cooked feature. In addition, even though they took 2-3 months to enable the feature they had announced long back and was my one of my primary motives to take Vivoactive 3 over a Fenix 5, it was not released with full support. That's very discouraging.

You should have done more research. Apple pay, Android pay, Samsung pay - ALL are dependent on banks and merchants participating. When Apple pay launched they had very few banks participating. Over time that has changed. The banks have shared some of their transaction profits to Apple, Google and Samsung. Likely they don't want to share with Garmin as Garmin is a smaller company.

I checked the supported bank websites today and Garmin now started supporting Chase Visa card. I can't describe how happy I am.

Brilliant! Now I can use all my credit cards with Garmin pay. And now I actually need to find a reason to use it haha!

Garmin Pay finally released in germany!
But (yes, there is sadly a "but") not as expected.

To support every bank and doesn´t have to handle with each provider, Garmin used a "workaround". They are working with a 3rd party company, which works like a prepaid account.
You have to register there and send money to it. To use some kind of a debit mandate, you need (how different could that be) a monthly payed account.
If you have done that, you get a credit card number from that provider, which you can enter into you Garmin Pay Wallet.

Due to the idea behind all of this, to rather buy a bottle of water, then your new supersportscar, it´s okay. But I´m not willing to use another provider, which I´m giving my sensible bank data, a possibility to track every small purchase and my money. My creditcard is already equipped with NFC and I can pay with it in the same way (hover the purse over the reader).
For a twice-a-year-case, where I´d like to bye something during/after an activity, I´ll just keep a note with me...

I have a Chase Amazon CC on my 645 and it works (if I can find a terminal that supports it). Someone at Chase gave you bad information.