Recently my Garmin Pay stopped working. The watch does recognize the card, and I can enter the pin code on the watch, after which the watch tells me "Hold near reader". When I do so, the reader does not respond to the watch. I noticed this only after a workout (brought no phone / wallet) so it was quite embarrasing.
The watch runs on SW 7.20, GPS 0.00, TSC 2.10, Sensor 6.60, WHR 20.03.21, Connect IQ 3.1.6. Battery was > 30% during multiple attempts. In between the attempts, I have tried a hard reset of the watch, which did not solve the problem.
I have already contacted my bank whether the issue is bank related or Garmin related, but I'd hope to gain more information from here as well.