Much like Apple Pay, Garmin Pay is a tap-to-purchase system that operates over NFC. Garmin's contactless system runs on Fit Pay, the wearables finance service that had previously tried to bring the same functionality to the Pebble Time smartwatch. Currently, the vivoactive 3 can only be linked to MasterCards from select banks on the launch partner list, but more financial firms with Visa support are coming soon.