A convenient new way to pay

Make everyday payments more simple and secure with Garmin Pay

Why Garmin Pay?


With Garmin Pay, you can use your Latitude card to buy the everyday little stuff, in just a touch. And when you use Garmin Pay, your card details are never shared or saved.


Add your Latitude card to Garmin Pay in three simple steps.


To pay in stores, enter your passcode, select your Latitude card from your virtual wallet, and then hold your wrist near the card reader.

Getting started

Once you’ve installed the Garmin app onto your iOS or Android smartphone, you can add your Latitude card to Garmin Pay.

  1. Tap ‘Create your wallet’ in the Garmin app and enter a 4-digit passcode
  2. Tap Mastercard to either fill in your card details or scan them using your smartphone’s camera
  3. We’ll send you a one-time NetCode SMS. Use it to confirm you want to link your Latitude card to Garmin Pay. Your card will then be added to the virtual wallet on your Garmin Vivoactive 3 device
  4. To pay using your Garmin Vivoactive 3 device, press and hold the action button then tap the wallet icon, enter your 4-digit passcode and hold your smartwatch to the card reader to pay. A green tick confirms it’s been successful

To remove your card, simply tap the Vivoactive 3 device page in the Garmin Connect app > Manage Wallet > Swipe to find the card to remove > Tap Delete Card.


  • chevron
    General Information about Garmin pay
  • How to use Garmin Pay
  • Managing my card in Garmin pay
  • Security
What is Garmin Pay?

Garmin Pay is a contactless payment solution designed for people who are always on the move. Whether you grab a cup of coffee after your morning run or get a bite to eat while out on a ride, Garmin Pay lets you make purchases quickly and almost effortlessly with nothing needed but your watch. No wallet? No smart device? No problem.

Which devices can I use Garmin Pay with?

Any Garmin Pay supported device.

How much will Garmin Pay cost?

There is no additional fee for using Garmin Pay.

Can I use Garmin Pay internationally

You can use Garmin Pay when traveling internationally at stores that accept contactless payments. Note that international transaction fees may apply to purchases.

Do I earn points or rewards for purchases made with Garmin Pay?

When you make purchases with Garmin Pay, you’ll continue to earn points or rewards that your credit cards provide.

Where can I find out more information about Garmin Pay?

You can read more about Garmin Pay on the Garmin Pay website.

28 Degrees Mastercard


  • Spend overseas with no international transaction fees on purchases
  • No annual fee
  • 24/7 concierge service wherever you are
  • No currency conversion fees