Garmin Pay™ - Cembra Money Bank

You can work out without worrry, and don’t have to carry a wallet, cash or a smartphone. Thanks to your vívoactive 3 smartwatch, you’ll still have your credit card with you at all times and can make purchases at numerous stations by contactless payment – even for tiny amounts.

A vívoactive 3 smartwatch (with the associated Garmin account) and a credit card from Cembra Money Bank. To set it up the first time, you’ll need a smartphone and the Garmin Connect mobile app.

Download the latest version of the Garmin Connect Mobile app to your smartphone.

• Open the Garmin Connect app on your smartphone.
• Select the icon for your Garmin Smartwatch.
• Select “Garmin Pay™”, then “Create Wallet”
• If you already have a 4-digit PIN, enter it now. Otherwise, the PIN must now be created.
• Follow the instructions on the display

How to add a credit card in Garmin Pay™

You can pay in Switzerland and abroad at all checkouts with the symbol for contactless payment by credit card.

Press and hold down the button on your vívoactive 3 smartwatch in order to open the main menu. Tap on the credit card symbol and enter the four-digit code if necessary. Your credit card will appear on the display. If you have entered multiple credit cards, select the desired credit card. Hold your smartwatch with the display to the card reader. It will vibrate and the display will show a confirmation message.

You can use Garmin Pay™ free of charge.

Garmin Pay™ works with all credit cards issued by Cembra Money Bank.

Yes. Our customer service team will be happy to assist you with activation: +41 (0)44 439 40 20.

Yes. Garmin Pay™ works anywhere contactless payment is accepted.

Yes it is. When using Garmin Pay™, your data is protected through tokenisation and payment authorisation procedures. Tokenisation means that when you link your credit card to Garmin Pay™, a token is created which is referenced to your Cembra Money Bank credit card. This token is encrypted when used in the payment process, keeping your data secure. In the payment authorisation step, you are additionally asked to enter your four-digit PIN. You enter the PIN code when you put on the watch. The PIN is valid for 24 hours as long as you do not take the watch off your wrist. The PIN code must be entered again after the sooner of the two.

No. Once Garmin Pay™ is set up, you can make payments directly from your Garmin vívoactive 3 Smartwatch.

No. You can use your Garmin vívoactive 3 Smartwatch to make payments even without an internet connection.

Yes. You can view your last ten transactions in the Garmin Pay™ app. You also receive a monthly statement.

Yes. The transaction limit for Garmin Pay™ is the limit applicable for your credit card.

Yes, all Cembra Money Bank credit cards can be linked.

Yes, you can always delete or temporarily deactivate an associated credit card. To do so, go to your account and tap the Smartwatch icon. Via the Garmin Wallet you can then search for the associated credit card you wish to change. You have the following options:

• The “Deactivate” option disables the card for usage
• The “Delete” option completely removes the card in the app

The card data will then be deleted from the watch the next time you sync your Garmin vívoactive 3 smartwatch.

Please contact our customer service immediately at: +41 (0)44 439 40 20.

You can also deactivate your credit cards in the Garmin Pay™ app via “Delete” within your Garmin Wallet.

Note: Deleting the card in your account does not mean that your actual credit card is blocked. Please contact our customer service in case of loss or theft.

Please contact our customer service immediately at: +41 (0)44 439 40 20.

In addition, you should delete the card from inside the Garmin Pay™ app. You can do this via your Garmin Wallet.