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Smart payment from the wrist

With Garmin Pay, you can make contactless payments with your Garmin smartwatch. Just leave your smartphone and wallet at home and still pay wherever you want.

Pay quickly and conveniently with the Garmin Smartwatch

Particularly practical for those who travel a lot: With Garmin Pay, you can make contactless payments at the POS terminal. Everything you need: your Garmin smartwatch. A smartphone is only necessary for the one-time registration, but is not required for ongoing payment with the smartwatch.

Don't have a Garmin smartwatch yet?

Garmin Watches at a Glance

It's so easy to pay with Garmin Pay™

  1. Select the wallet icon on your smartwatch
  2. Enter your own 4-digit PIN
  3. Select your most recently used or stored card
  4. Hold the watch to the payment terminal
  5. Done, you've paid with Garmin Pay™!

All maps at a glance

In the Garmin Connect app, you have easy access to all your maps. You can

  • add more cards,
  • Reset the selected PIN,
  • temporarily suspend your cards,
  • Remove your cards from your wallet,
  • delete the virtual wallet.

Activate Garmin Pay™ for your CardService credit card and get started!

All you need is the free Garmin Connect app (IOS and Android) and your Raiffeisen CardService credit card.

Install the app and create an account

  1. Download the free Garmin Connect app from the respective app store (iOS and Android) to your smartphone.
  2. If you do not already have one, you will need to create a Garmin user account.
Google Play App Store

Create Garmin Pay™ Wallet

  1. Make sure your Garmin smartwatch is connected to your smartphone via Bluetooth
  2. Select "Garmin Pay™" from the drop-down menu of the Garmin Connect app and press "Create Wallet"
  3. Set a 4-digit PIN code (passcode) of your choice. In the future, you will use this instead of your card PIN when paying with Garmin Pay™.

CardService Add Credit Card

  1. Choose your desired card: Raiffeisen CardService credit card.
  2. Store your card by entering the card number, expiration date and security code.
  3. You will now be asked to enter your address details. This input is optional.
  4. Activate your stored card according to the instructions in the Garmin Connect app by entering the activation code that you will receive via SMS.

Frequently Asked Questions

Here you will find the most frequently asked questions and answers about Garmin Pay™.

It can be used worldwide on all NFC terminals with Maestro function.

You can find an up-to-date overview of all Garmin Pay-enabled™ smartwatches in the Garmin Online Shop.

To protect you, Garmin Pay™ uses smartwatch-specific card numbers and transaction codes – called tokens – every time you make a purchase. Your card data is therefore not stored on the device or on the Garmin servers and is not transmitted to the merchants when you pay. To make a transaction, you enter your custom code on your watch, which will be remembered for 24 hours. Once you remove your wearable, you will need to re-enter the code.

To make a Garmin Pay™ payment, you must use the 4-digit PIN you chose during registration. The PIN must be re-entered every 24 hours, or as soon as the watch is removed from the wrist. The check is done by the heart rate monitor.

If the PIN is entered incorrectly three times, your smartwatch's wallet will be locked. You will then need to reset them in your Garmin Connect app or complete the registration process again.

Limits apply depending on the set daily and weekly limit of your digital credit card.

Since the PIN of your choice is only required once every 24 hours, or when the watch has been removed, there is no need to enter a separate PIN at the payment terminal. This means that the contactless limit of EUR 25 (or EUR 50 due to Covid-19) will also be eliminated when paying with Garmin Pay™.

  • Physical Raiffeisen CardService credit card
  • Garmin Pay™ enabled smartwatch (see Garmin Online Shop)
  • ELBA Disposal