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I've lost my physical card; can I still use Garmin Pay on my Garmin smart watch?

Yes, you can use Garmin Pay as a backup. If you have reported your card lost or stolen, your replacement card details will be automatically updated in Garmin Pay and you can continue to make transactions without the need to activate your replacement card.

If you have placed a temporary lock on your physical card, it will also be temporarily locked in Garmin Pay and you will not be able to transact with that card using your device.