To set up Garmin Pay™ on your Garmin smartwatch you will also need a smartphone.

Follow these eight steps:

Procedure on smartphones:
1. Open the Garmin Connect app.
2. Select the icon for your Garmin smartwatch.
3. Tap on «Garmin Pay™» and «Create Wallet».
4. Enter your four-digit PIN. If you don’t have one yet, set one up now.
5. Follow the instructions displayed on the screen.

Procedure on Garmin smartwatch:
6. Access Garmin Pay™
7. Once you have logged in, you can view the payment cards available. 
8. Select the desired payment card.