Best Smart Watch for contactless payments

contactless payments Decision Dashboard

Best for contactless payments

Apple Watch SE 3

4.8 feature score

Highest scored product for this feature based on supporting review evidence.

Safest pick

Apple Watch Series 10

4.8 feature score

Balances feature score, supporting reviews, and overall product strength.

Most evidence

Garmin Forerunner 965

11 supporting reviews

Has the broadest review evidence for this feature.

Best overall product

Apple Watch Ultra 2

4.3 overall score

Strongest overall product among items with scored evidence for this feature.

#1 Apple Watch SE 3
4.8
3 reviews

Contactless payments are a strong Apple Watch staple, with Apple Pay repeatedly included among the SE 3’s core smartwatch strengths.

Pros: value for money, contactless payments

Cons: blood oxygen tracking, ECG functionality

#2 Apple Watch Series 10
4.8
3 reviews

Contactless payment support is highly valued, with reviewers treating wrist payments and transit taps as everyday convenience features.

Pros: charging speed, contactless payments

Cons: cross-platform compatibility, blood oxygen tracking

#3 Apple Watch Series 11
4.7
2 reviews

Apple Pay and contactless payments are directly praised as convenient everyday smartwatch features.

Pros: contactless payments, pairing reliability

Cons: cross-platform compatibility, recovery insights

#4 TicWatch Pro 5
4.7
6 reviews

Contactless payments are consistently supported through Google Wallet or Google Pay and worked well in reviewer testing.

Pros: battery life, pairing reliability

Cons: ECG functionality, LTE connectivity

#5 Ticwatch Pro 5 Enduro
4.6
5 reviews

Contactless payments are a clear strength, with Google Wallet and Google Pay repeatedly described as working reliably.

Pros: durability, battery life

Cons: ECG functionality, voice assistant quality

#6 Apple Watch Ultra 2
4.6
2 reviews

Contactless payments are a reliable smartwatch strength, with Apple Pay repeatedly cited as part of the platform’s everyday convenience.

Pros: display quality, heart rate accuracy

Cons: cross-platform compatibility, recovery insights

#7 Apple Watch Ultra 3
4.6
1 review

Contactless payments are supported through Apple Pay and Wallet, reinforcing the Ultra 3’s day-to-day smartwatch usefulness.

Pros: pairing reliability, app ecosystem

Cons: cross-platform compatibility, size options

#8 Google Pixel Watch 4
4.6
3 reviews

Contactless payment support through Google Wallet is treated as reliable and part of the complete smartwatch feature set.

Pros: outdoor visibility, charging speed

Cons: stress tracking, band quality

#9 Samsung Galaxy Watch 8
4.5
3 reviews

Contactless payments are clearly supported through NFC, Samsung Pay, Google Pay, or mobile payments, and reviewers treat them as expected smartwatch functionality.

Pros: third-party app support, heart rate accuracy

Cons: cross-platform compatibility, antioxidant index

#10 Samsung Galaxy Watch Ultra (2025)
4.5
2 reviews

Contactless payments are supported through Samsung Wallet or Samsung Pay shortcuts.

Pros: brightness, durability

Cons: cross-platform compatibility, value for money

#11 Garmin Fenix 8
4.5
1 review

Contactless payments were confirmed as part of Garmin’s fuller smartwatch toolset, though they were not a major focus of the reviews.

Pros: workout tracking variety, durability

Cons: LTE connectivity, value for money

#12 Tag Heuer Connected Calibre E4
4.4
4 reviews

Contactless payments are well supported through Google Pay, and reviewers describe payment use as simple and available for shops or transit.

Pros: materials quality, style and design

Cons: blood oxygen tracking, ECG functionality

#13 Garmin Forerunner 570
4.4
1 review

Contactless payment support is confirmed through NFC payments, but reviewers mention it briefly rather than as a major buying reason.

Pros: outdoor visibility, brightness

Cons: ECG functionality, LTE connectivity

#14 OnePlus Watch 3
4.4
7 reviews

Contactless payments are well supported through Google Wallet or Google Pay and reviewers did not report major payment issues.

Pros: step counting accuracy, button controls

Cons: LTE connectivity, cross-platform compatibility

#15 Google Pixel Watch 3
4.4
4 reviews

Contactless payments are well supported through Google Wallet or Google Pay and treated as a normal smartwatch strength.

Pros: outdoor visibility, health tracking accuracy

Cons: cross-platform compatibility, durability

#16 Xiaomi Watch 2 Pro
4.3
7 reviews

Contactless payments are well supported through Google Wallet/Google Pay and are easy to reach from the hardware shortcut.

Pros: materials quality, Bluetooth connectivity

Cons: ECG functionality, reliability

#17 Samsung Galaxy Watch FE
4.3
5 reviews

Contactless payments are a clear strength, with NFC, Samsung Wallet, Samsung Pay, and Google Wallet mentioned across reviews.

Pros: workout tracking variety, materials quality

Cons: size options, cross-platform compatibility

#18 Garmin Enduro 3
4.3
5 reviews

Contactless payments are a clear positive, with Garmin Pay and NFC repeatedly mentioned as available and useful.

Pros: reliability, workout tracking variety

Cons: LTE connectivity, voice assistant quality

#19 Xiaomi Watch 2
4.3
5 reviews

Contactless payment support is a major Wear OS benefit through Google Wallet or Google Pay, though one reviewer disliked the required screen lock.

Pros: charging speed, workout tracking variety

Cons: ECG functionality, LTE connectivity

#20 Garmin Forerunner 970
4.3
5 reviews

Contactless payments were consistently confirmed through Garmin Pay or NFC payments, with caveats around bank support.

Pros: button controls, GPS accuracy

Cons: LTE connectivity, size options

#21 Garmin Tactix 8
4.3
4 reviews

Contactless payments were explicitly supported through NFC, Garmin Pay, or Gin Pay mentions in several reviews.

Pros: materials quality, durability

Cons: LTE connectivity, value for money

#22 OnePlus Watch 2R
4.2
3 reviews

Contactless payments are a strength, with Google Wallet/NFC support mentioned positively across multiple reviews.

Pros: third-party app support, workout tracking variety

Cons: ECG functionality, LTE connectivity

#23 Samsung Galaxy Watch Ultra (2024)
4.2
3 reviews

NFC and wallet payments were useful and reliable for several reviewers, though one long-term user disliked the PIN friction.

Pros: outdoor visibility, display quality

Cons: size options, cross-platform compatibility

#24 Garmin fenix 8 Pro
4.2
1 review

Contactless payments were noted through NFC payments as part of the watch’s Garmin smart-feature set.

Pros: pairing reliability, workout tracking variety

Cons: size options, value for money

#25 Fitbit Versa 4
4.2
6 reviews

Contactless payments are supported through Fitbit Pay or Google Pay/Wallet, and reviewers generally described setup or use as straightforward.

Pros: pairing reliability, brightness

Cons: third-party app support, music controls

#26 Amazfit Active 3 Premium
4.2
4 reviews

Contactless payments are supported through NFC/Zepp Pay/Curve in supported regions, but availability is country- and bank-dependent.

Pros: outdoor visibility, software smoothness

Cons: ECG functionality, LTE connectivity

#27 Garmin Forerunner 165
4.1
8 reviews

Garmin Pay was consistently mentioned as available and useful for contactless payments across models.

Pros: brightness, outdoor visibility

Cons: ECG functionality, voice assistant quality

#28 Ticwatch Atlas
4.1
3 reviews

Contactless payments were available through Google Wallet or NFC, and reviewers treated them as part of the normal Wear OS feature set.

Pros: battery life, durability

Cons: ECG functionality, LTE connectivity

#29 Garmin Epix Pro (Gen 2)
4.1
4 reviews

Garmin Pay is useful when supported, with reviewers praising tap-to-pay convenience, but UK bank support was criticized as limited.

Pros: mapping and navigation, GPS accuracy

Cons: voice assistant quality, call handling

#30 Garmin Vivoactive 5
4.1
3 reviews

Garmin Pay is included, making contactless payments available as a useful smartwatch feature.

Pros: brightness, outdoor visibility

Cons: ECG functionality, LTE connectivity

#31 Garmin Lily 2 Active
4.1
6 reviews

Garmin Pay is consistently mentioned and viewed as a useful standard feature for payments on the go.

Pros: comfort, style and design

Cons: ECG functionality, onboard music storage

#32 Samsung Galaxy Watch 6
4.0
7 reviews

Contactless payments are supported through Samsung Wallet or NFC, but button defaults and Google Wallet limitations frustrated some reviewers.

Pros: outdoor visibility, workout tracking variety

Cons: cross-platform compatibility, battery life

#33 Garmin Instinct 3
4.0
6 reviews

Garmin Pay support was repeatedly confirmed and treated as a useful smartwatch feature.

Pros: water resistance, charging speed

Cons: LTE connectivity, Wi-Fi connectivity

#34 Garmin Instinct Crossover AMOLED
4.0
1 review

Garmin Pay is present and automatic, giving the watch a practical contactless payment feature.

Pros: fitness tracking accuracy, outdoor visibility

Cons: onboard music storage, touchscreen responsiveness

#35 Garmin vivomove Trend
4.0
6 reviews

Garmin Pay is a useful addition, but reviewers note bank support can limit how seamless contactless payments feel compared with larger payment platforms.

Pros: activity auto-detection, display quality

Cons: ECG functionality, onboard music storage

#36 Samsung Galaxy Watch 7
4.0
4 reviews

Payments were supported through NFC, Samsung Wallet, or Google Pay, but one reviewer disliked Samsung Wallet being tied to a hardware shortcut.

Pros: user interface, build quality

Cons: antioxidant index, cross-platform compatibility

#37 Garmin Vivoactive 6
3.9
6 reviews

Contactless payments are useful through Garmin Pay/NFC, though bank compatibility and smoothness can lag Apple or Wear OS.

Pros: comfort, software smoothness

Cons: ECG functionality, LTE connectivity

#38 Garmin Forerunner 255
3.9
10 reviews

Contactless payments are consistently supported through Garmin Pay/NFC, although bank participation limits usefulness for some reviewers.

Pros: reliability, GPS accuracy

Cons: call handling, touchscreen responsiveness

#39 Garmin Approach S62
3.9
6 reviews

Garmin Pay/contactless payment support was mentioned as a useful smartwatch extra, but one UK-focused reviewer found bank support too limited.

Pros: battery life, GPS accuracy

Cons: voice assistant quality, onboard music storage

#40 Garmin Venu 4
3.9
7 reviews

Garmin Pay is consistently available, though evidence suggests bank support, password friction, and regional compatibility keep it from being a universal strength.

Pros: outdoor visibility, brightness

Cons: LTE connectivity, charging convenience

#41 Garmin Forerunner 965
3.9
11 reviews

Garmin Pay is present and useful where supported, but reviewers note banking support can be weak depending on region.

Pros: mapping and navigation, watch face quality

Cons: ECG functionality, LTE connectivity

#42 Garmin Venu 3
3.9
6 reviews

Garmin Pay and other payment options were useful once configured, but setup friction and patchy bank support limited enthusiasm.

Pros: heart rate accuracy, display quality

Cons: LTE connectivity, third-party app support

#43 Garmin MARQ Gen 2
3.8
6 reviews

Garmin Pay is useful and repeatedly mentioned, but limits such as bank support and PIN entry keep it from matching the smoothest payment systems.

Pros: charging speed, build quality

Cons: LTE connectivity, ECG functionality

#44 Garmin Venu Sq 2
3.8
4 reviews

Garmin Pay works and reviewers successfully used it, but support depends on banks and regions, so contactless payments are useful yet not universal.

Pros: charging speed, battery life

Cons: LTE connectivity, ECG functionality

#45 Garmin Forerunner 255S
3.8
3 reviews

Garmin Pay and NFC are supported and useful, but reviewers note Garmin’s payment system lacks the polish or bank support of rivals.

Pros: reliability, fit

Cons: touchscreen responsiveness, third-party app support

#46 Garmin Venu X1
3.8
6 reviews

Contactless payments are present through Garmin Pay or NFC, but one reviewer notes bank support limitations.

Pros: pairing reliability, watch face quality

Cons: LTE connectivity, ECG functionality

#47 Garmin Approach S70
3.7
5 reviews

Contactless payments are available through Garmin Pay, but evidence is mixed because bank support and setup can be limiting in some regions.

Pros: pairing reliability, brightness

Cons: software smoothness, user interface

#48 Garmin Forerunner 265
3.7
3 reviews

Garmin Pay is available and useful when supported, though one reviewer notes bank compatibility can make the feature useless for some users.

Pros: GPS accuracy, brightness

Cons: ECG functionality, voice assistant quality

#49 Garmin Forerunner 955
3.7
8 reviews

Contactless payment support is useful through Garmin Pay and regional payment options, but bank/payment availability varies and support is not universally strong.

Pros: charging speed, workout tracking variety

Cons: voice assistant quality, LTE connectivity

#50 Fitbit Sense 2
3.6
5 reviews

Contactless payments are supported through Fitbit Pay, Google Pay, or Wallet, but reviewer experience depends on timing and bank support.

Pros: pairing reliability, cross-platform compatibility

Cons: third-party app support, music controls