How secure is Garmin Pay?

Using Citadele Cards with Garmin Pay is secure. There are number of security features Garmin Pay transactions have such as:

• Garmin Pay is safer than using a traditional Credit or Debit or Prepaid Card. Every transaction Garmin Pay requires the PIN to be entered 1 time in a 24 hour period if the watch is still on your wrist. Use a personal 4-digit PIN code for an added layer of protection.
• Your Card number and identity aren’t shared with the merchant, and your actual Card number aren’t stored on your device - instead a unique Token number is used.
• All transactions are monitored by RAKBANK’s risk and fraud detection systems.