Garmin Pay Logo

Use with your eligible Garmin® Watch -
no wallet required.  




Pay with a Flick of the Wrist

Grab a bottle of water before you work out. Stop for a coffee after. Garmin Pay is perfect for people on the run. No need to carry your phone, wallet, cards or cash. Simply tap your Garmin watch when you’re making purchases. Garmin Pay is a convenient way to use your eligible PNC Visa® consumer and small business credit and debit cards[1] or SmartAccess card.


Watch How Fast You Can Pay

Leave your wallet behind and pay with your Garmin device.

  • Use Garmin Pay wherever you see the contactless symbol .  
  • Get the same rewards and benefits as when you swipe or insert your card
  • Place your watch next to the payment reader to complete transactions without using your physical card
  • Simply use the Garmin Connect app to add your eligible PNC cards to your compatible Garmin device



Pay With Confidence  

When you make a purchase using Garmin Pay, your actual card number is never shared with the merchant when you shop. A digital card number, unique to your device, is used to process payments instead of your physical card number.


With Fitbit Pay, making a purchase is easy.

Breeze Through Checkout Lines Using Nothing But Your Watch

Simply use the Garmin Connect app to add your eligible PNC credit, debit and SmartAccess cards to your compatible Garmin device. 


Select the Garmin Pay icon from the main menu of your Garmin watch.  


Enter your Garmin Pay PIN and hold your watch near the contactless terminal.



An onscreen message will let you know your payment was accepted.


Frequently Asked Questions

Important Legal Disclosures and Information

  1. PNC MasterCard® and commercial credit cards are not eligible at this time.

  2. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

Garmin®, Garmin Pay™ and Garmin Connect are registered trademarks and service mark of Garmin Ltd.

App Store is a service mark of Apple Inc

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

MasterCard® is a registered trademark of MasterCard International, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.