Do bear in mind that not all banks and/or cards are supported. Out of my 6 payment cards, over 3 banks (I know, ridiculous), only 3 are compatible. One bank is not compatible at all, the other one supports the debit card on Garmin Pay but not the credit card.

I knew that before hand. Garmin has a list… Somewhere.

Only thing I could figure out (except maybe looking into Chinese payments systems which… No. Just no) is Garmin Pay.

Once set up, works with the smartwatch and does not use the phone, or the internet, at all.

I know it’s not exactly what you asked, but its what I managed to do. Garmin watches also work pretty great with Gadgetbridge :-)