Garmin Pay Frequently Asked Questions
Garmin Pay is a secure and easy-to-use mobile payment service that allows you to make payments with your compatible Garmin smart watch at any merchant that accepts contactless payments. The Garmin smart watch must be linked with an eligible Westpac Debit or credit card.
Garmin Pay uses Near Field Communication (NFC) technology to facilitate mobile payments.
Your Garmin watch can be paired with Apple iOS or Android smartphones using the Garmin Mobile Connect app. Garmin Pay is available on selected Garmin smart watches. Find out which Garmin watches are compatible here.
Find the Garmin Mobile Connect app in one of these app stores:
- Apple App Store for iOS devices
- Google Play Store for Android devices
Yes, you can add eligible Westpac credit and debit cards to multiple compatible smart devices and digital wallets. However, only one Garmin smart watch can be associated to a Garmin account.
Yes, you can add eligible Westpac credit and debit cards to multiple compatible smart devices and digital wallets. However, only one Garmin smart watch can be associated to a Garmin account.
Garmin Pay is included with the standard Garmin Connect Mobile app. To use Garmin Pay, you should do the following:
- Download the Garmin Connect Mobile app from your relevant app store (Google Play Store or Apple App Store).
- Follow the onscreen instructions to set up your Garmin account and pair the Garmin Connect Mobile app with your Garmin smart watch.
To successfully add a Card to Garmin Pay you'll need to make sure you have:
- A compatible Garmin smart watch
- A compatible smart phone
- An eligible Westpac Mastercard® or Visa card which has been activated
- The ability to verify the card using the mobile number registered for Westpac Protect SMS Code®. If you do not have Westpac Protect SMS Code®, call us on 132 032 to activate it.
The Wallet is part of the Garmin Pay section of the Garmin app. The Garmin Pay Wallet is where you add and remove payment cards for Garmin Pay and review recent purchases. If you lose your Garmin smart watch, you can also suspend the card in the Garmin Wallet on your mobile device for added security.
The Westpac Issuer Garmin Pay terms are available here:
https://www.westpac.com.au/personal-banking/mobile-wallets/terms-and-conditions
Further information on Garmin Pay can be found at the following Garmin pages:
No, an internet connection is not required for Garmin Pay payments. The Garmin smart watch uses Near Field Communications (NFC) to communicate with the contactless terminal.
Yes, your Garmin 4-digit PIN code must be entered at least once a day and each time you put the watch on your wrist to enable payments.
Once you have added a card to your Garmin smart watch, select or press and hold the action button on the side of the smart watch to display the Navigation Controls menu. Tap the Virtual Wallet icon and enter your Garmin 4-digit PIN code if prompted (you will be prompted to enter your Garmin PIN code every 24 hours or the first time you make a payment after putting on your watch). Once the wallet is open the last-used card is displayed (you can switch to another card by swiping down on the screen); hold your smart watch near the contactless terminal to pay. The Garmin watch vibrates slightly when the contactless payment is made.
Subject to your terms and conditions, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases made with your Westpac card on Garmin Pay. To make a payment of over $100 with your Westpac card on Garmin Pay, you must enter your physical card PIN at the contactless terminal. For security reasons, if the contactless terminal does not prompt you for your card PIN, the transaction using Garmin Pay will not be accepted.
This does not change current payments or transaction limits on your physical card. The provisions of your card Product Terms continue to apply in the same way for Garmin Pay payments.
If the payment terminal doesn’t recognise Garmin Pay, ensure the watch face is near the reader and that the cashier knows you’re making a contactless payment.
Note: For added security, Garmin Pay will only be activated when the smart watch is being worn on your wrist and has been authenticated via your Garmin PIN.
Currently, gift cards don’t work on Garmin Pay.
If your Garmin smart watch is lost or stolen, you can remove or suspend your card from Garmin Pay via the Wallet section of the Garmin Connect Mobile app.
You can still make payments using your physical card. No-one else can use your smart watch to make a payment without first entering your Garmin 4-digit PIN code.
No, you don’t need to have your phone nearby to use Garmin Pay. Once the smart watch is setup, payments can be made directly from the smart watch, provided you have entered your Garmin 4-digit PIN code every 24 hours, or when you put the smart watch on.
- Open the Garmin connect Mobile app on your mobile.
- Tap on the Settings icon on the Garmin connect Mobile app dashboard.
- Tap on Garmin Pay.
- Tap on Manage Your Wallet.
- Tap on the card to be removed.
- Tap Delete.
- Tap OK to confirm. The card is removed from Garmin Pay.
Alternatively, you can delete your entire Garmin Pay wallet. This deletes all the cards in the wallet.
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.
The following Mastercard® products are eligible for Garmin Pay:
- Altitude Black Mastercard
- Altitude Black Qantas Mastercard
- Altitude Black World Mastercard
- Altitude Black World Qantas Mastercard
- Altitude Black Velocity Mastercard
- Altitude Business Gold Mastercard
- Altitude Business Platinum Mastercard
- Altitude Platinum Mastercard
- Altitude Platinum Qantas Mastercard
- Altitude Platinum Velocity Mastercard
- BusinessChoice Everyday Mastercard
- BusinessChoice Rewards Mastercard
- Earth Black World Mastercard
- Earth Platinum Plus Mastercard
- Earth Platinum Mastercard
- Low Fee Mastercard
- Low Fee Platinum Mastercard
- Low Rate Mastercard (except for cards starting with 51632010)
- Westpac Business Debit Card
- Westpac Debit Mastercard
- Westpac Flex Mastercard
- Westpac Lite Mastercard
- Westpac PartPay Mastercard
Note: The card must not be blocked or expired. If a new card has been recently re-issued and has not been activated, you will not be able to add the old card to the Wallet. You need to activate your new card and add it to the Garmin Pay.
At this time Handycards are not supported.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
You should restore the default settings on your Garmin smart watch. This will erase the app and personal data and delete the cards from the smart watch. Instructions are available on the Garmin Support Center website in the Owner's Manual for your Garmin product, under Restoring All Default Settings.
When you add a card to Garmin Pay, a Device Account Number is created in place of your card number. This number is used when you make a payment with Garmin Pay (or a refund of that payment) so that your card number isn't shared with the merchant and won’t appear on the receipt. Each time you add a card to Garmin Pay, a new Device Account Number is created.
If you are using Garmin Pay to obtain a refund, you may have to enter your card PIN at the terminal.
Yes, you can view the last ten Garmin Pay transactions made with a Visa card in the Garmin Pay wallet on your mobile device. Garmin Pay transactions made with Mastercard cannot be viewed in the Garmin Pay wallet on your mobile device at this time. To view Garmin Pay transactions made with a Mastercard, you need to log into Online or Mobile Banking and check your transaction details. The transactions displayed in Online or Mobile Banking will not be differentiated as Garmin Pay transactions.
If you have not set up SMS verification for online banking or the SMS verification is temporarily blocked you will be asked to contact Customer Care when you add your card to Garmin Pay. Customer Care can check to see if you are registered for Westpac Protect® SMS.
To add your card to your Garmin Pay Wallet, open the Garmin Connect Mobile app, select Garmin Pay and follow the onscreen instructions to add your card. Accept the Garmin Pay Terms and Conditions (if you agree), enter your card information (or scan the card from an Apple device) and accept the Westpac Garmin Pay Terms and Conditions (if you agree). Garmin Pay will prompt you to verify your identity via a One Time Password sent via SMS from Westpac. Enter the password and tap Verify to complete card setup.
Your transactions and card information are secure. Garmin Pay does not store your payment information or your card details on the Garmin smart watch or share these details with merchants. When a contactless payment is made at the terminal with Garmin Pay, the merchants will only see the Device Account Number. When you set up Garmin Pay, you are required to set up a Garmin 4-digit PIN as an authentication method to authorise payments using Garmin Pay. Ensure you choose a PIN which is secure and not easy for someone else to guess.
You can keep track of any purchases made with your Westpac Visa card. As soon as you complete a transaction with your Westpac Visa card, you’ll see a payment confirmation in your Garmin Wallet (in the Garmin Connect Mobile app) that shows exactly where the transaction occurred, along with the merchant's name and the transaction amount. The ten most recent transactions made with your Westpac Visa card in Garmin Pay are displayed. You can detect any suspicious activity using this information and report it to Westpac.
In the unfortunate event you lose your Garmin smart watch, you can remove or suspend the card(s) added to the smart watch using the Garmin Pay section of the Garmin Connect Mobile app. No-one else can use your smart watch to make a payment without first entering your Garmin 4-digit PIN code.
Subject to your terms and conditions, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases you make with your Westpac card on Garmin Pay.
To make a payment of over $100 with your Westpac card on Garmin Pay, you must enter your physical card PIN at the contactless terminal. For security reasons, if the contactless terminal does not prompt you for your card PIN, the transaction will not be accepted.
This does not change current payments or transaction limits on your physical card.
Yes, the transaction limits that apply to Garmin Pay are the same as your physical card.
To make a payment of over $100 with your Westpac card on Garmin Pay, you must enter your physical card PIN at the contactless terminal. For security reasons, if the contactless terminal does not prompt you for your card PIN, the transaction will not be accepted.
This does not change current payments or transaction limits on your physical card.
If a PIN code is required to authorise a payment (or refund), you will need to enter your physical card PIN at the terminal.
No, your physical card will not be affected if you delete your cards from Garmin Pay or restore the default settings on your Garmin smart watch.
You do not need to re-enrol your card. 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.
No, you do not need to re-enrol when your card has expired. 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.
Yes, any reward points applicable to your physical card still apply.
As per Westpac Group Garmin Pay Terms and Conditions (PDF 55KB) (PDF 55KB), your personal information will be shared with Garmin and its service providers to:
- Operate Garmin Pay
- Detect and address fraud
- Improve and promote Garmin Pay
- Comply with applicable laws and respond to regulatory or government inquiries
Privacy Statement
Our Privacy Statement explains how we collect, use and disclose your personal information and credit-related information. Our Privacy Statement also provides information about how you can access and correct your personal information and make a complaint. You can read our Privacy Statement online or by calling us on 132 032.
Garmin may collect certain data you provide for the purpose of servicing you in accordance with the Garmin.com Privacy Policy. Garmin and its service providers may store this information outside Australia.
If you do not agree to your information being disclosed or used in this manner you should not add your Westpac card to Garmin Pay.
Yes, you are able to use Garmin Pay overseas wherever there are contactless terminals as long as the Garmin Pay has been set up in Australia.
Some possible reasons why the transaction is declined even though the card still appears in the Garmin smart watch include:
- The payment amount is greater than the allowable contactless limit and the contactless terminal did not prompt you for a card PIN
- An incorrect PIN has been entered at the terminal when prompted
- Your card has been temporarily locked
- Your card or the transaction account has insufficient funds for the transaction
- You have reached your set daily payment limit
- The terminal does not support contactless payments