Garmin Pay is severely limited in Canada. I know Garmin likes to advertise this as a feature, but check with Garmin Connect to see what you can actually use. For us Canadians
Garmin Forerunner 945 LTE | Running Smartwatch with LTE
fenix 3 Sapphire | Garmin | Fitness GPS Watch
fenix 3 HR | Garmin | fitness GPS watch
Garmin Fenix 6 reviews - TOP among outdoor watches