What are Fitbit Pay and Garmin Pay?

These new “pays” allow for contactless, tokenized transactions through a watch. They use secure-elementbased, near field communication (NFC) tap-and-pay wearables similar to the Apple Watch^® used with Apple Pay^®. Account management, provisioning and lifecycle management are done via a companion app on a smartphone. Tokenization authentication methods are also the same as Android Pay™, Samsung Pay™, etc.

Where can I use Fitbit Pay and Garmin Pay?

Fitbit Pay and Garmin Pay can be used to purchase items in any store that accepts contactless payments. To determine whether the store accepts Fitbit Pay or Garmin Pay, members should look for the symbol below on the payment terminal:

Which devices will support Fitbit Pay and Garmin Pay?

Fitbit Pay is currently available on Sense, Versa 3, Versa 2, Versa Special Edition, Ionic, Charge 3 Special Edition and Charge 4

For current devices with Garmin Pay compatibility click here.

Can Fitbit Pay and Garmin Pay be used internationally?

Fitbit Pay and Garmin Pay can be used when traveling internationally at stores that accept contactless payments. Note that foreign-transaction fees may apply to purchases made internationally.

How do I use these digital wallets?

There is a Wallet section in each of the apps where you add and remove payment cards, set a default card for the watch, edit a payment method and review recent purchases. If you lose your watch, you can also suspend the cards on it for added security.

Do I have to enter a PIN code to make a payment?

When you set up Fitbit Pay and Garmin Pay, the device lock on the watch is turned on automatically and a user is prompted to set a personal 4-digit PIN code. Depending on the device lock setting they choose, they must enter a PIN code to unlock their watch each time they put it on their wrist or the first time they make a payment since last taking off the watch. The watch remains active for 24 hours.

Do I need to have a phone nearby to use Fitbit Pay or Garmin Pay?

No, you won’t need to have your smartphone nearby to use Fitbit Pay or Garmin Pay. After you set up Fitbit Pay and/or Garmin Pay, you can make payments from your watch and leave your phone at home.

Where can I see a list of transactions made with Fitbit Pay or Garmin Pay?

You can see the three most recent transactions made with Fitbit Pay in the Wallet section of the Fitbit app, or you can review all of your Fitbit Pay transactions on AeroAccess Home and Mobile Banking. Garmin Pay transactions are only visible online via AeroAccess Home or Mobile Banking or on statements.

Are Fitbit Pay and Garmin Pay secure?

Yes, both Fitbit Pay and Garmin Pay use the industry standard tokenization platform to ensure card information is never revealed or shared with merchants or with Fitbit and Garmin. Fitbit Pay and Garmin Pay also require users to use a personal 4-digit PIN code for an added layer of protection.

What if my watch is lost or stolen?

If you lose your watch, you can remove or suspend any card you added to the device using the Wallet sections of the Fitbit and Garmin apps. You still can make payments using your physical debit or credit cards. And remember, for added security, no one can use their watch to make a payment without first entering their personal 4-digit PIN code.

What if both my phone and my watch are lost or stolen?

If both devices are lost, you can log into fitbit.com or garmin.com and access the dashboards on a phone, tablet, or computer to delete the cards you added to Fitbit Pay or Garmin Pay. You still can make payments using your physical debit or credit cards. Again, no one can use their watch to make a payment without first entering their personal 4-digit PIN code.

Which cards do Fitbit Pay and Garmin Pay support?

Fitbit Pay and Garmin Pay support AFCU credit and debit cards from Visa^®. Prepaid cards are not supported at this time.

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

Purchases made with Fitbit Pay or Garmin Pay continue to earn all points or rewards that AFCU’s credit or debit cards provide.

What if I need more information on Fitbit Pay?

Please visit: fitbit.com/fitbit-pay

What if we need more information on Garmin Pay?

Please visit: explore.garmin.com/en-US/garmin-pay