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I can see my card in my Garmin but the transaction is declining. Why?

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 physical 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