Apple Watch Has A New Competitor: Garmin Vivoactive 3

Garmin Pay: Contactless payment Company’s first step into wearable payments Garmin Pay

Apple watch has a new competitor

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Want to go out for a run but don’t want to carry anything which may slow you down, including cash or plastic money. But if you feel like having something on the run to stay energized and hydrated, then what?

Garmin has an answer to this, in the form Vivoactive 3. It is the latest fitness focused smartwatch which offers contactless payments.

We all have heard names like Apple Pay, Samsung Pay, Fitbit Pay and Android Pay. Some of us might have even given it a try. They all are mobile payment systems for contactless payments. Now another name is added to this segment: Garmin Pay.

Also Read: 5 Apple Wallet Features We Bet You Didn’t Know

Garmin is a popular for its GPS based devices and now with the new technology of Garmin Pay it is directly targeting Apple Watch market. With its $300 device which includes contactless payment facility, Garmin Pay. It has become a competitor of Apple Pay and the Apple Watch.


Img src: garmin

Garmin Pay is maintained by Fitpay technology (an organization who specializes in supplementing contactless payment abilities to third-party wearable devices) as well it has joined hands with the payment processors Visa and Mastercard tokenization services to activate NFC payments on its new Vivoactive 3 fitness smartwatch. The watch works same like an Apple Watch and offers a great security.

“Anyone who is out and about being active can relate to the struggle of where to stash a credit card or cash, and has had to forgo a post-workout snack or coffee as a result,” said Dan Bartel, Garmin vice president of worldwide sales. “We’re solving that dilemma with Garmin Pay, an exciting feature on the new vívoactive 3. Use it pretty much wherever contactless payments are accepted, and give yourself one less thing to remember when you’re leaving the house.”

What is Tokenization?

Tokenization is a security service technology that masks cardholder’s information like: account numbers and expiration dates, with a unique digital identifier. This can be used to make payments without disclosing cardholder’s account information.

Also Read: How to Use Apple Watch’s Night Stand mode

How to Setup Garmin Pay?

how to set up Garmin Pay

Img src: garmin

It is easy to setup Garmin Pay. All you need to do is to install Garmin Connect Mobile app on your device. If you do not have one, you can install by clicking here.

Once it is installed launch the app and go to Garmin Devices section, you can find it under the More tab above the Settings menu. Now select Vivoactive 3 and then chose Garmin Pay.

how to set up garmin pay

Img src: pocket-lint

To check if Garmin Pay is compatible with your device, bank, card hit the help link written in blue present at the bottom of next screen.

After knowing all the things hit Create your Waller button. To secure the wallet you need to create a passcode which will be of four digit. You will need to enter this code before making a purchase once every 24 hours, or whenever the watch is taken off and worn back.

Next add the card using which you will make payment via Garmin Pay.

To enter the card, first select the card type, next enter the card details. To validate the details a verification will be sent you need to enter that to complete the procedure.

Also Read: 11 Best Apple Watch Apps in 2017

How can I remove the added card?

Yes, you can also temporarily remove or delete card from your wallet. To do so tap Garmin Pay and go to Manage Your Wallet. Here you will be able to see both the options.

How to make payment?

How to make payment

Img src: garmin

To make the payment press and hold the action button this way you will be able to see Navigation Controls menu. Next hit the virtual wallet icon and enter the four-digit passcode you created. When the app is opened, you will see the card you used for the last transaction.

However, if you want to use another card swipe down the screen to see the other card. Once the card is selected you will be prompted to hold your watch near a contactless card reader. You will see a green light surrounding the outer edges indicating that the purchase is made. After this it will turn into the default mode.

Caution: Three consecutive attempts with a wrong password will block the virtual wallet on the watch. To reset the password and unlock the wallet you’ll need to use Garmin Connect Mobile app. Here to reset a new password you will have to enter the old password first. In case you don’t remember then for security your virtual wallet will be deleted by Garmin.

Specs: Watch

The watch is made of stainless steel and Gorilla Glass, and uses a combination of a touchscreen and a “Side Swipe” interface for easier control compared with other Garmin watches.

Tracking feature include GLONASS, a barometer and a thermometer. Over 15 indoor and outdoor activities are preloaded by default, and the watch can also calculate figures such as stress, VO2 max, and fitness age. Watch is water resistant up to 5 ATM so you can wear it even while swimming.

The heart rate variability can track stress levels also, which users can ssee both on the smartwatch and on the Garmin connect mobile app.

It has a 7 day battery life when used in regular smartwatch mode. If using it with active GPS tracking the battery lasts for 13 hrs.

Available in 3 color combinations lack/stainless and white/stainless ($299.99), and black/slate ($329.99).

Also Read: 9 Best Apple Watch Games Worth your Attention

Wrap Up:

Garmin Pay will surely give a tough competition to Apple Watch. You need not to do anything apart from setting up a passcode. But there is a catch you will not be able to make huge payments. In the UK, contactless payment transactions are restricted to £30, while some US banks limit them to $50.

Vivoactive 3 has a built-in NFC chip which will help the users to make payment by tapping the watch against the compatible terminals. Soon there will more payment processors added.

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