Best Smart Watch for contactless payments

contactless payments Decision Dashboard

Best for contactless payments

Garmin Enduro 3

5.0 feature score

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

Safest pick

Apple Watch Ultra 2

5.0 feature score

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

Most evidence

Huawei Watch GT 6 Pro

14 supporting reviews

Has the broadest review evidence for this feature.

Best overall product

Garmin Tactix 8

4.4 overall score

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

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#1 Garmin Enduro 3
5.0
2 reviews

Contactless payments were strongly praised by reviewers who used Garmin Pay frequently and treated it as part of daily use.

Pros: contactless payments, reliability

Cons: onboard music storage, watch face quality

#2 Apple Watch Ultra 2
5.0
1 review

Contactless payments were praised as part of Apple’s top-tier smartwatch services and general usability advantage.

Pros: app ecosystem, smartwatch features

Cons: cross-platform compatibility, blood oxygen tracking

#3 Tag Heuer Connected Calibre E4
5.0
1 review

Contactless payments have limited but positive evidence, with Google Pay described as simple to use.

Pros: contactless payments, pairing reliability

Cons: LTE connectivity, call handling

#4 TicWatch Pro 5
5.0
1 review

Contactless payments worked perfectly in the one review that specifically evaluated Google Pay on the watch.

Pros: contactless payments, battery life

Cons: voice assistant quality, LTE connectivity

#5 Apple Watch Series 11
4.8
1 review

Apple Pay on the watch is singled out as a favorite everyday convenience.

Pros: ECG functionality, app ecosystem

Cons: cross-platform compatibility, recovery insights

#6 Apple Watch Series 10
4.6
3 reviews

Contactless payments were strongly praised for speed and convenience, especially in daily routines and transit-like scenarios.

Pros: reliability, comfort

Cons: calorie tracking usefulness, mapping and navigation

#7 Apple Watch SE 3
4.5
2 reviews

Apple Pay was positively mentioned as part of the compelling smartwatch feature set and deep Apple ecosystem integration.

Pros: app ecosystem, operating system experience

Cons: cross-platform compatibility, ECG functionality

#8 Google Pixel Watch 4
4.5
2 reviews

Google Wallet/contactless payments were mentioned positively where reviewed.

Pros: step counting accuracy, charging speed

Cons: stress tracking, band quality

#9 OnePlus Watch 2R
4.5
1 review

Contactless payments were positively received as a useful Google Wallet feature.

Pros: software smoothness, charging speed

Cons: ECG functionality, safety features

#10 Ticwatch Pro 5 Enduro
4.5
6 reviews

Google Wallet/contactless payments worked well in reviewer use and were repeatedly treated as a solid smartwatch convenience.

Pros: menu navigation, battery life

Cons: ECG functionality, voice assistant quality

#11 Garmin Tactix 8
4.4
2 reviews

Contactless payment support was viewed as easy and premium, though the evidence was brief.

Pros: wellness insights, build quality

Cons: LTE connectivity, band quality

#12 Google Pixel Watch 3
4.3
3 reviews

Contactless payments were lightly but positively supported, with reviewers noting prompt Google Pay/Wallet access and broad support among key smartwatch features.

Pros: outdoor visibility, pairing reliability

Cons: calorie tracking usefulness, materials quality

#13 OnePlus Watch 3
4.3
4 reviews

Contactless payments worked well where reviewers tested or discussed Google Wallet and NFC payments.

Pros: blood oxygen tracking, step counting accuracy

Cons: LTE connectivity, calorie tracking usefulness

#14 Garmin Forerunner 970
4.3
2 reviews

Contactless payments were valued, especially by reviewers who rely on Garmin Pay, though bank support was described as solid in the US and mixed elsewhere.

Pros: stress tracking, customization options

Cons: menu navigation, companion app quality

#15 Samsung Galaxy Watch 6
4.3
2 reviews

Wallet and NFC use were treated positively as convenient smartwatch features for wrist-based payments and day-to-day utility.

Pros: voice assistant quality, music controls

Cons: blood oxygen tracking, cross-platform compatibility

#16 Apple Watch Ultra 3
4.2
1 review

Apple Pay and Wallet were cited as useful day-to-day smartwatch tools.

Pros: app ecosystem, watch face quality

Cons: cross-platform compatibility, size options

#17 Garmin Lily 2 Active
4.0
2 reviews

Garmin Pay is considered useful and easy to set up, though one reviewer notes its value drops if a phone is still needed for music.

Pros: health tracking accuracy, blood oxygen tracking

Cons: ECG functionality, onboard music storage

#18 Garmin Fenix 8
4.0
1 review

Contactless payments were counted as part of Garmin’s complete smartwatch-tool package in the supporting review.

Pros: workout tracking variety, onboard music storage

Cons: LTE connectivity, value for money

#19 Garmin Forerunner 165
4.0
1 review

Garmin Pay was viewed as a straightforward, effective contactless payment feature.

Pros: smartphone notifications, watch face quality

Cons: music controls, Wi-Fi connectivity

#20 Garmin Instinct 3
4.0
1 review

Contactless payments are treated as a useful everyday feature that survived Garmin’s feature cuts.

Pros: customization options, charging speed

Cons: onboard music storage, voice assistant quality

#21 Samsung Galaxy Watch 8
4.0
1 review

Contactless payments had limited evidence, but one reviewer explicitly called the feature nice.

Pros: third-party app support, heart rate accuracy

Cons: music controls, cross-platform compatibility

#22 Garmin MARQ Gen 2
4.0
5 reviews

Contactless payments were appreciated for phone-free outings and setup ease, though bank support and PIN friction limited convenience.

Pros: pairing reliability, reliability

Cons: size options, call handling

#23 Garmin Vivoactive 6
3.9
3 reviews

Contactless payments are useful, but reviewer sentiment is tempered by Garmin Pay bank compatibility and smoothness limitations.

Pros: software smoothness, comfort

Cons: LTE connectivity, voice assistant quality

#24 Samsung Galaxy Watch 7
3.9
3 reviews

Payments are useful and bundled into the smartwatch experience, but one reviewer disliked being pushed toward Samsung Wallet instead of their preferred wallet.

Pros: display quality, durability

Cons: cross-platform compatibility, antioxidant index

#25 Xiaomi Watch 2
3.9
2 reviews

Contactless payments worked well and were convenient, but the required screen lock was an annoyance.

Pros: charging speed, Bluetooth connectivity

Cons: ECG functionality, recovery insights

#26 Samsung Galaxy Watch Ultra (2024)
3.8
2 reviews

Payments were useful and reliable in the positive evidence, though one reviewer found PIN friction annoying.

Pros: build quality, software smoothness

Cons: stress tracking, blood oxygen tracking

#27 Garmin Venu Sq 2
3.7
6 reviews

Contactless payments worked well for some reviewers and were convenient, but support varied by bank and territory.

Pros: charging speed, coaching features

Cons: ECG functionality, call handling

#28 Xiaomi Watch 2 Pro
3.7
3 reviews

Contactless payments worked and were valued, but reviewers noted the security passcode requirement as an annoyance.

Pros: pairing reliability, outdoor visibility

Cons: ECG functionality, running power support

#29 Garmin Venu 3
3.6
5 reviews

Contactless payments are convenient when set up, but evidence is mixed because setup can feel unnecessary and bank support is patchier than Apple or Google Pay.

Pros: health tracking accuracy, software smoothness

Cons: LTE connectivity, mapping and navigation

#30 Garmin Forerunner 255
3.6
3 reviews

Garmin Pay was useful when supported, but bank compatibility made the contactless payment experience inconsistent.

Pros: durability, cross-platform compatibility

Cons: stress tracking, app ecosystem

#31 Garmin Epix Pro (Gen 2)
3.6
4 reviews

Contactless payments are polarizing: Garmin Pay can be quick and widely useful, but bank support and intuitiveness vary by region.

Pros: GPS accuracy, charging speed

Cons: ECG functionality, voice assistant quality

#32 Fitbit Versa 4
3.5
2 reviews

Contactless payments were useful when supported, with Google Pay working well in one review, but bank support was limited in another.

Pros: pairing reliability, user interface

Cons: third-party app support, music controls

#33 Garmin vivomove Trend
3.5
2 reviews

Contactless payments were useful but mixed, with easy setup in one review and bank/support slickness criticized against Apple Pay in another.

Pros: activity auto-detection, build quality

Cons: blood oxygen tracking, Bluetooth connectivity

#34 Samsung Galaxy Watch FE
3.5
1 review

Contactless payments worked as a modern feature set, but the shortcut behavior created a usability annoyance for Google Wallet users.

Pros: materials quality, workout tracking variety

Cons: size options, cross-platform compatibility

#35 Garmin Approach S62
3.3
3 reviews

Contactless payments were useful in principle, but bank compatibility limitations made Garmin Pay less compelling for one UK-focused reviewer.

Pros: software smoothness, style and design

Cons: voice assistant quality, onboard music storage

#36 Garmin Forerunner 255S
3.3
2 reviews

Garmin Pay worked for reviewers, but it was described as less slick or less compelling than rival watch payment systems.

Pros: step counting accuracy, fit

Cons: blood oxygen tracking, charging convenience

#37 Amazfit Active Max
3.2
1 review

Contactless payments were useful but not especially slick, according to the one reviewer who evaluated Zepp Pay.

Pros: workout tracking variety, outdoor visibility

Cons: calorie tracking usefulness, safety features

#38 Garmin Venu X1
3.2
3 reviews

Garmin Pay worked as a useful convenience in one review, but other reviewers criticized it as less slick or limited by bank support.

Pros: pairing reliability, watch face quality

Cons: ECG functionality, LTE connectivity

#39 Garmin Lily 2
3.1
6 reviews

Garmin Pay is considered useful, but its value depends heavily on bank support and is limited in some regions.

Pros: pairing reliability, wellness insights

Cons: ECG functionality, body temperature tracking

#40 Garmin Forerunner 955
3.1
4 reviews

Contactless payments were helpful where supported, but bank availability and regional support were recurring limitations.

Pros: outdoor visibility, charging speed

Cons: LTE connectivity, call handling

#41 Amazfit Active 2
3.0
4 reviews

Contactless payments are useful in principle but limited by model, region, or the need to buy the premium version.

Pros: pairing reliability, value for money

Cons: stress tracking, onboard music storage

#42 Garmin Vivoactive 5
3.0
3 reviews

Garmin Pay worked, but reviewers repeatedly noted it was less slick or had narrower bank support than rival payment systems.

Pros: fitness tracking accuracy, wellness insights

Cons: software smoothness, ECG functionality

#43 Amazfit Active 3 Premium
3.0
2 reviews

Contactless payments are region-dependent: one reviewer says Zepp Pay does not work in the United States, while a European reviewer reports Curve-based payment works smoothly.

Pros: pairing reliability, brightness

Cons: Wi-Fi connectivity, Bluetooth connectivity

#44 Fitbit Sense 2
2.8
4 reviews

Payments are mixed: setup can be easy, but Fitbit Pay bank support was criticized and Google Wallet was discussed as a needed or future improvement.

Pros: pairing reliability, durability

Cons: music controls, Wi-Fi connectivity

#45 Garmin Forerunner 265
2.8
2 reviews

Garmin Pay was useful when supported, but bank compatibility could make contactless payments worthless for some users.

Pros: step counting accuracy, third-party app support

Cons: ECG functionality, LTE connectivity

#46 Garmin Venu 4
2.8
2 reviews

Garmin Pay was useful in theory but limited by passwords and uneven bank support, making contactless payments a mixed attribute.

Pros: activity auto-detection, style and design

Cons: LTE connectivity, charging convenience

#47 Amazfit Balance 2
2.6
3 reviews

Contactless payment support was a clear caveat, with reviewers noting Zepp Pay is less seamless than Apple Pay and that support varies by region or bank.

Pros: Bluetooth connectivity, calorie tracking usefulness

Cons: ECG functionality, flashlight usefulness

#48 Amazfit T-Rex Ultra 2
2.5
3 reviews

Contactless-payment evidence was region-dependent: one review liked European NFC support, while others criticized limited or unavailable payment support.

Pros: display quality, brightness

Cons: onboard music storage, size options

#49 Garmin Approach S50
2.5
2 reviews

Contactless payments were criticized for limited bank support in the UK, making Garmin Pay much less useful for some users.

Pros: touchscreen responsiveness, health tracking accuracy

Cons: call handling, voice assistant quality

#50 Garmin Approach S70
2.5
1 review

Contactless payments are limited by bank support in the evidence, especially for the UK reviewer who could not test Garmin Pay with his bank.

Pros: recovery insights, GPS accuracy

Cons: software smoothness, fitness tracking accuracy