Getting Started

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. Plus, your card details are never shared with retailers or Garmin so your information stays private.

Once installed on your iOS or Android mobile, you can use the Garmin Connect™ Mobile App to add your Heritage Visa credit or debit cards to Garmin Pay.

  1. With your compatible Garmin device handy, open the app and select Garmin Pay > Create your Wallet

  2. Follow the on-screen instructions to add your Heritage Visa credit or debit card details. This can be done by filling in your details or by simply using your smartphone’s camera.

  3. You will then need to accept the terms and conditions and verify yourself via a unique code. We’ll SMS this to you

  4. Once you’re set up, you can now pay on the go by holding your Garmin device near the transaction terminal

How to use Garmin Pay

In Stores – Pay contactless with your Garmin device
Garmin Pay is accepted at any of the millions of stores that accept contactless payments. Just hold your Garmin near the terminal until you see the check mark.
Features

  • Use your Garmin to pay in-store on transactions under $100
  • Use internationally by setting up and activating your Heritage Visa card before heading overseas
  • Protected with Visa Zero Liability# against fraudulent transactions
  • Physical card number is replaced with a ‘token’ to pay for purchases
  • When you use your Heritage card with Garmin Pay, you’ll continue to enjoy all the same rewards, benefits, and protections that come with it
Security

  • You will be protected with Visa Zero Liability# against fraudulent transactions
  • Garmin Pay uses industry-standard tokenization, which means your card number will never be shared with retailers or Garmin
Helping you

Garmin Pay Support

For Garmin Pay support and troubleshooting please visit Garmin Pay online.

Learn more
Contact us 24/7
Security Alerts 
Other ways to bank
Other ways to bank

Heritage Banking app

A convenient and quick way to transact on the go - pay bills, check account balances plus much more.
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Google Pay™

Google Pay™ is the fast, simple way to pay at millions of places – on sites, in apps, and in stores.
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Heritage Online

Whether you're on the go, at the office or at home, Heritage Online lets you manage your accounts in one place, at a time that suits you.
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SMS and Email Alerts

Receive real-time notifications for key events on your accounts.
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Fitbit Pay

Add your Heritage Visa credit or debit cards to Fitbit Pay and make secure contactless payments on the go.
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Garmin Pay

Add your Heritage Visa credit or debit cards to Garmin Pay™ and make secure contactless payments on the go.
Learn more

Phone Banking

Run out of smartphone data?  You can still complete your banking from any phone, including landlines, with Heritage Access Line.
Learn more

Samsung Pay

Samsung Pay is the smart wallet which allows you to easily make payments using your Samsung device.
Learn more

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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