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How secure is a Garmin Pay transaction?

Your transactions and card information are secure. Garmin Pay does not keep your payment information on their servers and your card details are never stored on the Garmin smart watch or shared with merchants.  When a payment is made at the terminal, the merchants will only see the device account number. When you set up Garmin Pay, you’ll have to establish an authentication method to authorise payments using a Garmin 4-digit PIN code. 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 a Visa card. As soon as you complete a transaction with a 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 a Visa card are displayed. You can detect any suspicious activity using this information and report it to Westpac.


You have greater peace of mind in the unfortunate event you lose your Garmin smart watch. You can remove or suspend the card 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 conditions of use, you are covered by our Fraud Money Back Guarantee for any 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.