Best Garmin Smartwatches for contactless payments

contactless payments Decision Dashboard

Best for contactless payments

Garmin Enduro 3

5.0 attribute score

Highest scored product for this attribute based on supporting review evidence.

Safest pick

Garmin Forerunner 170

4.3 attribute score

Balances the attribute score, supporting reviews, and overall product strength.

Most evidence

Garmin Venu Sq 2

6 supporting reviews

Has the broadest review evidence for this attribute.

Best overall product

Garmin Forerunner 170 Music

4.3 overall score

Strongest overall product among items with scored evidence for this attribute.

#1 Garmin Enduro 3
5.0

Contactless payments were strongly praised by reviewers who used Garmin Pay frequently and treated it as part of daily use.

Pros: battery life, value for money

Cons: smartwatch features, size options

#2 Garmin Tactix 8
4.4

Contactless payment support was viewed as easy and premium, though the evidence was brief.

Pros: battery life, durability

Cons: value for money, band quality

#3 Garmin Forerunner 170
4.3

Garmin Pay is a useful convenience and a key reason to choose the 170 over the 70. Its value depends on bank support and whether buyers can justify the price...

Pros: value for money, battery life

Cons: mapping and navigation, materials quality

#4 Garmin Forerunner 970
4.3

Contactless payments were valued, especially by reviewers who rely on Garmin Pay, though bank support was described as solid in the US and mixed elsewhere.

Pros: heart rate accuracy, GPS accuracy

Cons: battery life, value for money

#5 Garmin Lily 2 Active
4.0

Garmin Pay is considered useful and easy to set up, though one reviewer notes its value drops if a phone is still needed for music.

Pros: battery life, GPS accuracy

Cons: onboard music storage, mapping and navigation

#6 Garmin Fenix 8
4.0

Contactless payments were counted as part of Garmin’s complete smartwatch-tool package in the supporting review.

Pros: battery life, GPS accuracy

Cons: value for money, call handling

#7 Garmin Forerunner 165
4.0

Garmin Pay was viewed as a straightforward, effective contactless payment feature.

Pros: value for money, GPS accuracy

Cons: recovery insights, onboard music storage

#8 Garmin Instinct 3
4.0

Contactless payments are treated as a useful everyday feature that survived Garmin’s feature cuts.

Pros: battery life, display quality

Cons: mapping and navigation, smartwatch features

#9 Garmin MARQ Gen 2
4.0

Contactless payments were appreciated for phone-free outings and setup ease, though bank support and PIN friction limited convenience.

Pros: display quality, battery life

Cons: value for money, smartphone notifications

#10 Garmin Vivoactive 6
3.9

Contactless payments are useful, but reviewer sentiment is tempered by Garmin Pay bank compatibility and smoothness limitations.

Pros: battery life, comfort

Cons: heart rate accuracy, sleep tracking accuracy

#11 Garmin Venu Sq 2
3.7

Contactless payments worked well for some reviewers and were convenient, but support varied by bank and territory.

Pros: battery life, display quality

Cons: smartwatch features, style and design

#12 Garmin Forerunner 170 Music
3.7

Garmin Pay is useful for phone-free runs and everyday purchases, but reviewers disagree on whether it justifies the price premium over the cheaper Forerunner 70.

Pros: value for money, GPS accuracy

Cons: mapping and navigation, third-party app support

#13 Garmin Venu 3
3.6

Contactless payments are convenient when set up, but evidence is mixed because setup can feel unnecessary and bank support is patchier than Apple or Google Pay.

Pros: battery life, GPS accuracy

Cons: smartwatch features, smartphone notifications

#14 Garmin Forerunner 255
3.6

Garmin Pay was useful when supported, but bank compatibility made the contactless payment experience inconsistent.

Pros: GPS accuracy, battery life

Cons: smartphone notifications, mapping and navigation

#15 Garmin Epix Pro (Gen 2)
3.6

Contactless payments are polarizing: Garmin Pay can be quick and widely useful, but bank support and intuitiveness vary by region.

Pros: battery life, GPS accuracy

Cons: user interface, fit

#16 Garmin vivomove Trend
3.5

Contactless payments were useful but mixed, with easy setup in one review and bank/support slickness criticized against Apple Pay in another.

Pros: style and design, charging convenience

Cons: battery life, charging speed

#17 Garmin Approach S62
3.3

Contactless payments were useful in principle, but bank compatibility limitations made Garmin Pay less compelling for one UK-focused reviewer.

Pros: mapping and navigation, value for money

Cons: coaching features, smartphone notifications

#18 Garmin Forerunner 255S
3.3

Garmin Pay worked for reviewers, but it was described as less slick or less compelling than rival watch payment systems.

Pros: value for money, battery life

Cons: menu navigation, user interface

#19 Garmin Venu X1
3.2

Garmin Pay worked as a useful convenience in one review, but other reviewers criticized it as less slick or limited by bank support.

Pros: display quality, comfort

Cons: battery life, value for money

#20 Garmin Lily 2
3.1

Garmin Pay is considered useful, but its value depends heavily on bank support and is limited in some regions.

Pros: battery life, style and design

Cons: sleep tracking accuracy, workout tracking variety

#21 Garmin Forerunner 955
3.1

Contactless payments were helpful where supported, but bank availability and regional support were recurring limitations.

Pros: GPS accuracy, battery life

Cons: onboard music storage, charging convenience

#22 Garmin Vivoactive 5
3.0

Garmin Pay worked, but reviewers repeatedly noted it was less slick or had narrower bank support than rival payment systems.

Pros: value for money, GPS accuracy

Cons: sleep tracking accuracy, recovery insights

#23 Garmin Forerunner 265
2.8

Garmin Pay was useful when supported, but bank compatibility could make contactless payments worthless for some users.

Pros: battery life, value for money

Cons: mapping and navigation, smartwatch features

#24 Garmin Venu 4
2.8

Garmin Pay was useful in theory but limited by passwords and uneven bank support, making contactless payments a mixed attribute.

Pros: battery life, GPS accuracy

Cons: value for money, voice assistant quality

#25 Garmin Approach S50
2.5

Contactless payments were criticized for limited bank support in the UK, making Garmin Pay much less useful for some users.

Pros: value for money, comfort

Cons: fit, band quality

#26 Garmin Approach S70
2.5

Contactless payments are limited by bank support in the evidence, especially for the UK reviewer who could not test Garmin Pay with his bank.

Pros: display quality, value for money

Cons: charging convenience, smartphone notifications

#27 Garmin Forerunner 70
2.3

Garmin Pay is completely absent, so runners must carry a phone, card, or cash for purchases. This is one of the clearest reasons to consider the Forerunner 170.

Pros: battery life, value for money

Cons: mapping and navigation, smartwatch features

#28 Garmin Forerunner 965
2.3

Garmin Pay was treated as useful in concept but limited by inconsistent bank support, especially outside the US.

Pros: battery life, GPS accuracy

Cons: smartwatch features, charging convenience

#29 Garmin Vivomove Sport
2.0

Contactless payments were a repeated missing perk, with reviewers noting the absence of NFC or mobile payments as a drawback or limitation.

Pros: value for money, style and design

Cons: battery life, display quality

#30 Garmin fēnix 7X Pro
2.0

Contactless payments were criticized mainly for limited bank support, especially in the UK.

Pros: battery life, mapping and navigation

Cons: value for money, score tracking

#31 Garmin Vivomove Style
2.0

Garmin Pay was undermined by limited supported banks in the UK.

Pros: style and design, battery life

Cons: touchscreen responsiveness, display quality