Verify that your Garmin Pay wallet shows an enabled card for your watch by following these steps:
Open the Garmin Connect app.
Select More (bottom right).
Select Garmin Devices.
Select your Garmin watch.
Select Garmin Pay.
Verify you see your card(s) beneath ENABLED.
If you do not see your card(s) listed, select Add Card and follow the steps to complete the setup.
If you do see your card(s) listed, proceed to the next troubleshooting step below.